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Are You Ready for a Home Mortgage Loan?
Buying a Home and committing to a Mortgage can be very scary! A home mortgage loan is the largest debt that most Americans will take on in their lifetime. As such, making the decision to take out a mortgage is not one that most first time...
Home Loan Mortgage Loan Refinance - Refinancing For A Shorter Term To Save Money
Saving money with lower rates isn't the only reason to refinance. Opting for a shorter loan can also save thousands in interest and free up income in the future. A short term loan can also help you pay down your principal quicker. Better...
Mortgage Refinance: 4 Ways To Know It's Time to Refinance Your House.
You may want to refinance your home for several reasons. 1)Mortgage Rates might be lower now. The biggest reason that people refinance their mortgages is to save money. No matter what has happened to you, there is always a good reason to start...
Tax Reform - Limit of Mortgage Tax Deduction
A committee appointed by President Bush has come up with an alarming recommendation. They want to limit the tax deduction for mortgage interest! Reform Following his re-election, President Bush set up an aggressive agenda in which he hoped to...
Your Mortgage Rate Lock - Don't Let It Slip Away
It's a great feeling to know that you have locked your interest rate. You can now close your dream home with the payment you can afford. No worries about a volatile market. However, it is important that you read and completely understand the...
 
How to save hundreds a month on your mortgage.

When it comes to American spending habits, the sad truth is that most people don't put their financial assets to the best use. One of the greatest examples of this is the home mortgage. Surprisingly, most people fail to educate themselves about the dangers and the pitfalls of not shopping for the best mortgage. Worst still, many have not taken advantage of low interest rates that could save them hundreds of dollars a month.

In addition to saving large sums of money every month, the homeowner in question would save thousands overall on the standard 30 year mortgage. This is before other cost saving measures such cutting unnecessary services, refinancing a car loan, paying off credit cards (to end the high cost of monthly double digit interest) and changing spending habits. The power of such a rate reduction could be used by millions of American homeowners to reduce debt, invest in retirement, or to simply put money away for an emergency. It is amazing that so many still neglect to utilize these powerful and straightforward techniques.

This then begs the question of where to start in order to reap the rewards of refinancing your mortgage. When it comes to finding home mortgage information, the Internet has become a boon to the weary researcher. In fact, finding sites about mortgage refinancing is far from the hard part when it comes to searching the 'Net. Perhaps the hardest part about searching for financial information online is insuring that one will indeed get the best quote.

In order to help you in your online search for a better


home mortgage rate, I have listed a few tips and questions below:

Will your credit rating be a hindrance to a new loan?

Will the lender work with you if you have bad credit?

Are you getting a new loan to refinance your rate? Or are you getting a loan for a secondary reason (paying off debt or home improvement needs for example).

Have you seen your credit report lately? Is it accurate?

Are there steps that you can take in the short term to improve your credit score before you get the mortgage quote (such as paying off small debt or challenging negative items on your credit report)?

Does the site giving the mortgage quote, give you a quote from more than one lender? Some sites give you quotes from up to four lenders at once.

Is the quote free? Also, you should be under no obligation should you decide not do business with the lender.

These are just a few of the points that one should remember when searching the vast resources of the Internet for answers to your financial questions. If used wisely, a new mortgage could be the step that changes your financial future for the better.

About the Author

Joseph McNealy is the webmaster of The Online Arcana, a new website dedicated to personal financial information. If you wish more personal information on mortgage refinancing (such as a quote) you may go to http://www.onlinearcana.com/refinance.html. To visit our blog, please go to http://www.onlinearcana.com.

 

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