When locking in your rate, timing is everything. It’s such an important part of the mortgage and refinancing process that borrowers who forget to lock in—or their brokers fail on purpose to mention it—can pay needless amounts of money every month.  More
 

First of all, remember that there is a difference between lenders’ origination fees, also called points, and discount points, which you use to buy down your interest rate. This article discusses the latter of the two.  More
 

When you are refinancing, you’re striking a balance between your lender’s needs and your needs. The company you choose to work with will have a large bearing on how this pans out for you.  More
 

Determining your home’s value is an important step in considering your refinancing options. Chances are pretty good that if you have resided in the home more than three years, that it has gone up in value.  More
 

An appraiser is supposed to look at the structures and land of your property and determine value based on its highest and best use (the use that brings the highest value), as well as quick sale value.  More
 

While it’s always fun and creative to improve your home, even if for a refinancing appraisal or a good use for your cash-out refinancing, there are a few that pay off more than others.  More
 

If you are applying for home mortgage refinancing soon, the first thing you should do is check your credit report. Even if you have made all payments on time, been responsible, etc.  More