Need a Bad Credit Mortgage Refinance Loan? Pre-Qualify Your Mortgage Lender
Costa Mesa, CA (ContentDesk) May 9, 2006 -- "Bad credit mortgage refinance lenders offering low rates and fees are easier to find that most people think," stated Keith Murphy, president of Statewide Funding, Inc.
"Unfortunately most homeowners contact banks first, get turned down repeatedly, and finally give-up even trying."In order to save time and frustration, Murphy, a specialist in bad credit mortgage refinancing since 1989, advises homeowners to pre-qualify lenders prior to filling out an application.To pre-qualify a lender as being one that can refinance your loan, Murphy suggests asking the following three questions when first talking with the lender.When you're underwriting my loan, do you take into consideration my credit score?
Would you require me to pay past collections or charge offs?
Would you reject my loan if I filed for bankruptcy a year ago, yet made all my trustee payments on time for the last 12 months?"If the lender answers yes to any of these three questions, you're knocking on the wrong door," concludes Murphy.
"However there are lenders, such as Statewide Funding, who can approve your loan.
And knowing how to pre-qualify a lender will save you a great deal of time and effort."To discover more refinancing tips, or to get three personalized Refinance Options for free, visit Statewide Funding, Inc. at www.bad-credit-mortgage-refinance.tv/ or call toll free, 800-839-2954.Statewide Funding, Inc.
is a nationwide Equal Housing Opportunity lender.
Certain restrictions apply to loans and loans are subject to credit approval and verification of equity..
Which California Home Mortgage Refinance Loan Is Best For You?
April 4, 2006 -- There aren't quite as many California home mortgage refinance loan programs as there are borrowers, but it seems like it sometimes! To find the best home mortgage refinance program that fits your needs, there are some general considerations you should have in mind.Are you refinancing primarily to lower your rate and monthly payments? Then your best option might be a low fixed-rate loan. Maybe you have a fixed-rate mortgage now with a higher rate, or maybe you have an ARM -- adjustable rate mortgage -- where the interest rate varies. Even if it's low now, unlike your ARM, when you qualify for a fixed-rate mortgage you lock that low rate in for the life of your refinance loan. This is especially a good idea if you don't think you'll be moving within the next five years or so. On the other hand, if you do see yourself moving within the next few years, an ARM with a low initial rate might be the best way to lower your monthly payment.Are you refinancing primarily to cash...
Which California Home Mortgage Refinance Loan Is Best For You?
Refinance > Which California Home Mortgage Refinance Loan Is Best For You?
Florida Refinance Mortgage
You may be thinking of refinancing your current mortgage for one of several reasons.
If you currently have an adjustable-rate mortgage, you may be looking for a fixed-rate mortgage with more competitive terms, or interest rates on your adjustable-rate mortgage may be rising so it makes sense to shift to a fixed-rate mortgage.
If you bought your home some years ago, interest rates may have decreased significantly since then.
Refinancing may also be part of a debt consolidation strategy.
Some individuals use refinancing as a means to free up some of their financial resources for major expenses, such as a child's college tuition.
If you already have a first and second mortgage, you can combine these into a single mortgage by refinancing.
When does it make sense to refinance?
If you stand to save two or more percentage points on the interest rate by refinancing, it probably makes sense to go ahead.
Florida Refinance Mortgage
Refinance > Florida Refinance Mortgage
Need a Bad Credit Mortgage Refinance Loan? Pre-Qualify Your Mortgage Lender Refinance watches
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Need a Bad Credit Mortgage Refinance Loan? Pre-Qualify Your Mortgage Lender Refinance Pet Dreams Announces Lowest Pricing Ever on Cratewear, the Only Complete 3-Piece Dog Crate Bed Set mattresses
Refinance > Pet Dreams Announces Lowest Pricing Ever on Cratewear, the Only Complete 3-Piece Dog Crate Bed Set
Why Should You Shop Around for Auto Insurance?
How do you know if what you are paying for your insurance is a good deal? What is a good deal? Is choosing the cheapest company the best way to go? Does buying from the most expensive company mean you are buying the best coverage? Generally, a good deal is a state of mind. As long as you are happy, with the amount of coverage, you have and how much you paid for it, you got a good deal. For each person, the amount of coverage they need and what they can afford to spend is usually a different amount....
Need a Bad Credit Mortgage Refinance Loan? Pre-Qualify Your Mortgage Lender Why Should You Shop Around for Auto Insurance? Refinance
Refinance > Why Should You Shop Around for Auto Insurance?
Refinance
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