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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...
Adverse Credit Remortgage: Refinance at Better Terms
Getting a remortgage with adverse credit is a daunting task and it is increasingly becoming a widespread problem in UK. An adverse credit remortgage is a type of mortgage, which is particularly used by people who have adverse remarks in their credit...
Home Mortgage Loan Refinancing Online - 3 Tips On Refinancing Your Home
When refinancing your home, it's helpful to know a few things about refinancing. When you refinance, you usually pay off the old loan and sign for a new loan, whether you are refinancing your 1st mortgage, second mortgage or home equity loan. The...
Home Mortgages and Refinances
"While seeking home mortgages and refinances it is important to shop wisely to get the best deal possible. While most organizations offer a similar array of products, it is the service that makes the difference. On time service, immediate response...
Thoughts On Securing A Bad Credit Mortgage
Over spending, the endless nights of partying, eating out and more or less buying everything on a whim, has most likely put a dent in your financial situation and will affect how you live your life for years to come. Clearly, the best option is to...
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Sub-Prime Mortgage Loans - Five Ways To Lower Your Rates On A Sub-Prime Mortgage
Sub-prime mortgages don't mean you have to pay excessively high
interest rates to buy a home. By taking time to do some research
and pick the right terms, you can save thousands on your
mortgage. The following five tips will help you get low rates
with the right subprime lender.
Compare Lenders
The number one way to lower your interest rates on your
sub-prime mortgage is to compare lenders before you apply. It
sounds so simple, but too many homebuyers skip this step,
costing them thousands.
Plan on taking at least a day to explore your options. The
easiest way to look at financing packages is to request quotes
online. While you are requesting quotes, take a look at
conventional lenders as well. They often offer good rates and
terms for those with adverse credit histories.
Pick An ARM
Adjustable rate mortgages (ARM) offer lower rates and are easier
to qualify for than fixed rate mortgages. The drawback is that
ARM rates can increase over the years. But if you are planning
to move soon or just want to buy a home, then an ARM probably is
your best choice.
You can also convert your ARM when your credit score improves.
As property prices increase and your equity builds, you will
also be able to get better terms in the future.
Increase Your Down Payment
By increasing your down
payment, you can knock off up to a
percentage point. Zero or little down financing is great for
those short on cash, but rates are significantly higher.
Ideally, you want to put down 25% to get the best rates. Just
leave enough cash reserves to financing moving expenses.
Pay A Point Or Two
Points paid upfront can also lower your interest rate. You want
to be sure though that you recoup the upfront costs. If you plan
to move or refinance in a couple of years, you will not see the
savings of lower rates.
You may also find that your money would be better spent on
increasing your down payment than on paying points. With this
type of decision, you will want to do some math with a mortgage
calculator.
Bulk Up Cash Reserves
By increasing your cash reserves, you can also improve your
credit score to qualify you for lower rates. Take advantage of
tax refunds or cash bonuses by putting them into your savings.
Lenders look at saving accounts, money markets, and CDs as cash
reserves, not stocks or other volatile assets.
About the author:
Carrie Reeder is the owner of ABC Loan Guide, an
informational website about various types of loans. View her
recommended lenders for Po
or Credit Mortgage Loans.
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