Why Should One Consider Refinancing Their Mortgage Now?

Refinancing a mortgage is a golden opportunity to lock in today's low interest rate for the next 15 or 30 years. While interest rates now are still low, there's a good chance they may be heading up in the coming months. The Fed may not maintain the current bond purchasing level forever, and any changes that the Fed makes will likely affect mortgage interest rate levels. As interest rates remain near low for 30 and 15 year mortgages, homeowners can benefit greatly from a refinance. Several types of people in particular should consider refinancing. Carrying a high rate Anyone with…
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What You Need to Know About Mortgage Insurance

Homeowners insurance and title insurance may not be the only kinds of insurance you need when you buy a home. Many buyers also have to purchase mortgage insurance, which lenders require for mortgages with a down payment of less than 20 percent. Take the time to understand what you're buying and how long it will affect you. Mortgage Insurance Protects the Lender Most types of insurance will pay you if you make a claim. Mortgage insurance, though, is solely for the lender. If you were to stop making payments and the lender foreclosed on your home, the mortgage insurance would…
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