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2nd Mortgage - Better Than Refinancing
You have probably received refinancing offers in the mail or advertised online touting your ability to pull out your home’s equity. But a 2nd mortgage, also called an equity loan, may be a better financing option than refinancing your mortgage. 2nd...
A Brief Commercial Mortgage Guide
Commercial mortgage loans are used when purchasing structures such as office buildings, apartment complexes, health care facilities and retail outlets. Whether it’s a hi-rise tower or a family-owned restaurant, buyers typically need additional...
Get Free Mortgage Quotes From Top Colorado Mortgage Brokers
Welcome to Coloradomortgagedepo.com - A complete mortgage service site connecting you with best Colorado mortgage brokers and lenders. Let us help you find best Colorado mortgage loan programs with a reputable mortgage lender or mortgage brokers...
Home Equity Line Of Credit Or Second Mortgage Loan Online - Things To Do With Your Homes Equity
If you are wanting to get a home equity loan, rates are still low enough that you may want to make use of that equity in your home. Do you need some ideas on what you could do to multiply your equity or make some extra money off of the capital that...
Home Mortgages: Up, Up and Away!
Refinance NOW—before it’s too late If you haven’t found the time to refinance your existing home mortgage, it’s time to take action—like yesterday! Every time Alan Greenspan, Federal Reserve Board Chairman, opens his mouth, you can bet that the...
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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 lock
agreement that you signed with your lender.
Each state has different wording on the form, but it all comes
down to disclosing the terms and conditions of the lock. The
form will spell out the loan program, loan amount, loan type,
interest rate, origination fee, number of lock days and lock
expiration. Some even charge an up front non-refundable fee.
Closing on time means that the lender must disburse the funds by
the expiration date. But what happens if the lender does not
close on time? The lock agreement should clearly state what
would happen. The loan will probably be locked at the higher of
the previous lock price or current pricing. In rare cases the
loan program could be discontinued
altogether.
Make your application journey a happy one. Discuss with the loan
officer up front if the lock days are enough to meet the closing
target date. Many loans require an appraisal. This is a key area
and can be a time consuming part of the process. If the sales or
refinance market is hot in your area it could take longer than
normal to complete the appraisal. Be sure and cover estimated
appraisal turnaround time with the loan officer during
application.
During the loan process be sure and return any documentation
quickly to the lender when asked. Be available to sign escrow
papers in a timely manner. When the loan is funded, and you get
the keys, it's a great feeling to know you closed your loan
exactly as you hoped.
About the author:
Bill Wehr has been in home loan origination for over 25 years.
He is the owner of Great Pacific Northwest Mortgage
http://www.billwehr.com , a residential mortgage company serving
Oregon and Washington.
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