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Mortgage Refinancing - 5 Things to Avoid
Mortgage rates right now across the country have plummeted to near record lows. Mortgage refinance applications are coming in faster than ever as homeowners try to take advantage of these low rates. Existing homeowners can possibly save a lot of money on their monthly mortgage payments by locking in a lower interest rate. If refinancing your mortgage is a thought you have here are 5 common mistakes made when refinancing. 1) Your refinance rate not being in writing. You should be sure to always get the rate quoted to you in writing. Do not count on a simple word of mouth agreement. These means nothing and can result in a rate increase when the actual day to refinance does come along. Make sure the quote you get in writing has the interest rate, closing costs and fees, and how long the loan is for. It would be best to get this typed on the bank letterhead and signed by the actual lender. 2) Paying for a unnecessary home appraisal. Usually an appraiser who works for the mortgage lender will take details of your home such as square footage, number of bathrooms, etc. and compare them to other homes in your neighborhood which have been recently sold. Most of the time the loan officer you are working with will not require you to get a second independent appraisal different from his own contacts in the industry. Unless you are really doubtful about the value of your home compared to the market you should not waste the cash on a unnecessary appraisal. 3) Using a large amount of your credit prior to refinancing. If you extend your credit line for something such as a car, tuition, or a very expensive vacation, a mortgage lender may see your refinance as a "cash-out" deal. They will think that you were planning on saving money by refinancing but before actually doing it you spent a lot and realize you can not keep paying. A majority of mortgage companies have what is called a "cash-out seasoning" clause which these kind of things fall under. This means that your refinance will be harder and not maybe not as profitable as it could be. 4) Assuming the county tax assessors appraisal of your home. The county tax assessor is only calculating the property taxes you owe, not to necessarily do an accurate market appraisal. The value they derive for property tax purposes is not the same as the selling value of your home. Upon a home sale though, the local tax assessor will reexamine the property taxes using the information just obtained from the sale. 5) Having a second mortgage, then trying to refinance. A lot of lenders will examine both loans, the first and the second loan. You should ask a potential lender if this will have a negative effect on your chance to refinance on the whole amount of both loans. Finally, make sure to be patient and take your time so you can refinance right. Ask a lot of questions to any potential mortgage lender. Once you get a written quote you like shop that around. Most of the time a lender will meet or beat the offer you bring to them, especially if it is on paper. If you liked this article and would like to see others like it please check my site http://www.refinancingcondo.com It Contains plenty of articles related to refinancing
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