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Informative Articles

Adjustable vs Fixed Rate Mortgages
Mortgage rates can either be fixed for the duration of your loan or can be adjustable. An adjustable rate mortgage is a loan that is set up with an interest rate that changes based on pre-determined criteria, primarily tied to the federal interest...
Do You Know the Pros and Cons of Interest Only Mortgage?
Has any lender ever told you the Interest Only Mortgage was like a double-edged sword? It can help you achieve your dream of owning a home more easily, but it also can create a financial hardship for those who don’t fully understand what’s involved....
Getting a Nashville Mortgage Quote
Purchasing a new home requires much research on your part. Working with a realtor and finding a real estate closing attorney is vital in your quest to completing the deal. Of key importance is finding a lender; getting a Nashville Mortgage Quote...
Mortgage Equity Withdrawal - The Refinancing Trend
Mortgage Equity Withdrawal is the formal name for equity refinance, reverse mortgages or simply home loans based on equity (as the security for the loan). Mortgage Equity Withdrawal rose to 8.7 billion pounds in the second quarter of this year to...
Mortgage Loan Information - Know The Basics When You Refinance or Purchase a Home
If you are currently looking for a new home, chances are that in all the excitement you won’t really give any thought to the type of home loan mortgage you take out, instead going with the first one offered to you. This could be a serious mistake –...
 
2nd Mortgage Loan After Bankruptcy - Get Approved Online

A 2nd mortgage loan after a bankruptcy is possible in as little as two years. Refinancing your mortgage can help you make needed home improvements or pay off high interest debt. Refinancing with adverse credit history requires savvy shopping on your part to ensure that you get a reasonable 2nd mortgage loan.

Building Good Credit

After a bankruptcy, take the next two years to rebuild your credit history. By making regular payments and building up cash reserves through a savings account or saving bonds, you will put yourself in a better position to refinance your home.

Sub Prime Brokers

Your credit report will list your bankruptcy for seven to ten years, so you will need to go through a sub prime mortgage broker. A sub prime mortgage broker offers loans at slightly higher rates to high risk lenders.

Sub prime brokers vary in the amount of fees and points they will charge. With adverse credit, you should expect to pay a couple of points higher than a traditional loan. The best way to ensure you are getting a competitive rate is to shop around.

Searching For Rates

Sub prime brokers have moved online, allowing you to easily compare rates and fees. You can gather general quotes by giving out basic information like how much you want to borrow and your property’s current value.

With these basic quotes you can quickly compare


financing costs. Be sure to include fees when you consider the total cost of the loan. Once you have compared several financing quotes, pick the top three to investigate further.

Comparing Real Quotes

Mortgage rates are determined my many different factors such as property location and your employment history. In order to get a real refinancing quote, you will have to provide this detailed information to a sub prime broker. You can do this through online mortgage websites with no risk.

Compare the rates, fees, and terms of each refinancing offer. If you have any questions, you can contact the sub prime broker over the phone or through their website.

Applying Online

Once you have picked the best offer, you can finish the process online. Sub prime brokers will either have you fill out the application online or through the mail. In both cases, the final paperwork will be mailed out for your approval and your loan will be processed.

About the Author

Carrie Reeder is the owner of http://www.abcloanguide.com, an informational website about various types of loans. To view our list of recommended bad credit mortgage lenders online who can help you with a 2nd mortgage. Visit this page: http://www.abcloanguide.com/lessthanperfectcredit.shtml

 

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Mortgages, Refinance, Home Loans, Home Equity Loans at Quicken Loans
Online lender offers simplified residential loans and competitive mortgage rates. Headquarters in Livonia, MI.
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Mortgage Refinance Calculator
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Mortgage Refinance Costs
Mortgage Refinance Costs. When you refinance your mortgage, you usually pay off your original mortgage and sign a new loan. With a new loan, you again pay ...
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Bad credit home loans,California mortgages,Debt Consolidation Home Loans, Refinance Home Loans, Refinance Mortgage Interest Rates,Second Mortgage solutions ...
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Our Mortgage Refinance Home Loans allow you to get cash out with a Low mortgage Rates from the leading online lender. Bad Credit Loans are ok.
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