Recent Rate Hikes, Refinancing Savvy


     "The average 30-year mortgage rose to its highest level in nearly two years this week," according to an article by Jennifer Warnick for 12 News On Your Side.
   
     This has actually been an expected hike in rates and a topic of much speculation all year, but especially once August and September hit.  However, with the job report not as hopeful earlier in the season, rates haven't increased until now.  With the most current job report comes this recent hike in rates, and once The Fed gets the ball rolling on rates, an increase will likely be steady based on past trends.  However, according to the article, the "biggest impact on the mortgage market is fewer existing homeowners refinancing their loans."

     If you want to use your equity toward a major home repair, have better credit, or are simply better off than when you first took out your home loan, there are a few key factors to remember when looking to refinance.

     First is that refinancing for a shorter term is what will save you money in the long run.  Taking out another 30-year mortgage even at a better rate will likely end up costing you more in the long run.  Another thing to watch out for is too-good-to-be-true rates.  Some banks offer great rates but with greater closing costs.  Refinancing through a mortgage broker can help ensure better rates along with lower closing costs.

     Last but not least, if you find that your loan will end up costing you more than the original quote, remember that state law gives a three day grace period for you to back out of the deal free and clear.

     Refinancing can be a great financial step forward in your investment!




To read the full article by Jennifer Warnick, click here.

Comments

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  15. An amazing testimony on a spell caster who brought my wife back to me.. My name is Dani Santo,i live in United Kngdom,and I'm happily married to a lovely and caring wife,with two kids.A very big problem occurred in my family seven months ago,between me and my wife.so terrible that she took the case to court for a divorce.she said that she never wanted to stay with me again,and that she didn't love me anymore.So she packed out of my house and made me and my children passed through severe pain. I tried all my possible means to get her back,after much begging,but all to no avail.and she confirmed it that she has made her decision,and she never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my wife.So i explained every thing to her,so she told me that the only way i can get my wife back,is to visit a spell caster,because it has really worked for her too.So i never believed in spell,but i had no other choice,than to follow her advice. Then she gave me the email address of the spell caster whom she visited.{azentemple@gmail.com}. So the next morning,i sent a mail to the address she gave to me,and the spell caster assured me that i will get my wife back the next day.What an amazing statement!! I never believed,so he spoke with me,and told me everything that i need to do. Then the next morning, So surprisingly, my wife who didn't call me for the past seven {7}months,gave me a call to inform me that she was coming back.So Amazing!! So that was how she came back that same day,with lots of love and joy,and she apologized for her mistake,and for the pain she caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of a spell caster. So, i will advice you out there to kindly visit the same website {azentemple@gmail.com},if">{azentemple@gmail.com},if you are in any condition like this,or you have any problem related to "bringing your ex back. So thanks to the Dr azen for bringing back my wife,and brought great joy to my family once again. {azentemple@gmail.com}, or what'sapp +2349038299828 Thanks

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  16. An amazing testimony on a spell caster who brought my wife back to me.. My name is Dani Santo,i live in United Kngdom,and I'm happily married to a lovely and caring wife,with two kids.A very big problem occurred in my family seven months ago,between me and my wife.so terrible that she took the case to court for a divorce.she said that she never wanted to stay with me again,and that she didn't love me anymore.So she packed out of my house and made me and my children passed through severe pain. I tried all my possible means to get her back,after much begging,but all to no avail.and she confirmed it that she has made her decision,and she never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my wife.So i explained every thing to her,so she told me that the only way i can get my wife back,is to visit a spell caster,because it has really worked for her too.So i never believed in spell,but i had no other choice,than to follow her advice. Then she gave me the email address of the spell caster whom she visited.{azentemple@gmail.com}. So the next morning,i sent a mail to the address she gave to me,and the spell caster assured me that i will get my wife back the next day.What an amazing statement!! I never believed,so he spoke with me,and told me everything that i need to do. Then the next morning, So surprisingly, my wife who didn't call me for the past seven {7}months,gave me a call to inform me that she was coming back.So Amazing!! So that was how she came back that same day,with lots of love and joy,and she apologized for her mistake,and for the pain she caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of a spell caster. So, i will advice you out there to kindly visit the same website {azentemple@gmail.com},if">{azentemple@gmail.com},if you are in any condition like this,or you have any problem related to "bringing your ex back. So thanks to the Dr azen for bringing back my wife,and brought great joy to my family once again. {azentemple@gmail.com}, or what'sapp +2349038299828 Thanks

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  17. I want to use this medium to testify of how i got back my ex husband after divorce, i and my husband have been married for 8 years with 2 kids, we have been a happy family. Last year his behavior towards me and the kids changed, i suspected he was meeting another woman outside out marriage, any time i confronted him, he threatened to divorce me, i did all i could to make hings right but all to no avail until i saw a post on a "love and relationship forum" about a spell caster who helps people to cast spell on marriage and relationship issues, when i contacted this spell caster via email, he helped me cast a re-union spell and my husband changed and came apologizing to me and the kids. Contact this great spell caster for your relationship or marriage issues via this email: chiefdrlucky@gmail.com or Whats App him on +2348132777335 Website : http://chiefdrluckysolutionhome.website2.me/ Good luck  

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  21. I am very happy today with my family. My name is lisa tommy living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jato a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email jatolovespell@gmail.com Now i will advice any serious persons that found themselves in this ki nd of problem to contact him now a fast solution without stress.. Heal ways hello, now i call him my father.contact him now he is always online email (jatolovespell@gmail.com) or contact him on his whatsapp mobile line +2348140033827...

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  22. I am very happy today with my family. My name is lisa tommy living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jato a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email jatolovespell@gmail.com Now i will advice any serious persons that found themselves in this ki nd of problem to contact him now a fast solution without stress.. Heal ways hello, now i call him my father.contact him now he is always online email (jatolovespell@gmail.com) or contact him on his whatsapp mobile line +2348140033827...

    ReplyDelete
  23. Dr Ishiaku herbal medicine is mighty and genuine,I use to use Mellisa oil and Lavender Healing herbs but result were just still the same.But using Doctor Ishiaku herbal medicine cured my herpes final and I have being living for 3 years now No Sores.My herpes is truely gone.Contact him if you interested of his herbal medicine too Dr Ishiaku can as well cure the following....HIV...HERPES,,COPD..FIBROID..ASTHMA..DIABETES..SICKLE CELL...ALS..EPILEPSY,,HEPATTITIS...CANCER...LOVE SPELL ...ishiakuherbalcure@gmail.com Or Whatsapp Number On +2348180828544

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  26. I will start by saying to all that have COPD or Emphysema should please stop here and read up my story, So as you will know how to get your CURE. I had Chronic Obstructive Pulmonary Disease (COPD) for 15 years, My first symptoms were dry cough, chest tightness and shortness of breath. My first chest x-ray only showed bronchitis. Finally I went to a pulmonologist and was diagnosed with COPD, Am writing this article to appreciate the good work of General Herbal Center, that helped me get read of myCOPD/Emphysema that i have had for about 17years now, with no cure. After seeing a post of a Zom Sanchez from US on the Internet teying of how she was cured by Native Herbal Clinic prescribed remstifedies . I also decided to contact then for a cure and i purchased the medicine , because all i wanted was for me to get totally cure and to be free of it all my life. i Am happy today that they helped me and the remedies worked and i can proudly say that i am free from COPD and i am cured completely
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  27. hello everyone,my name is veronica gomez,im from united state texas,im 59 years old,I want to sincerely appreciate Mr RICHARD COSMOS who helped me with an already Program hacked ATM CARD and i was so poor without funds that i got frustrated. One morning as i was browsing on the internet, i saw different comments,said the card can witdraw $5000 per day and $50,000.in a week. people testifying of how Mr RICHARD COSMOS helped them from being poor to being rich through this already hacked ATM CARD. I was skeptical if this was true, i decided to contact one of the people giving this testimony to see proof before i contact this hacker and they proved to me beyond all doubts that it was really for real so i urgently contacted his (ultimatehackersworlds@gmail.com )and i got my already hacked atm card after i paid form the dilivery fee, if you are afraid that he is a scam, you can message me and ask me how i get the card my email:(vg2737277veronica@gmail.com) If you also want this BLANK ATM CARD i want you to contact the Hacker's on they email address;{ultimatehackersworlds@gmail.com}

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  28. Never give up in life they all say no cure to HSV 2 which is a big lie I have pass through many process also i never believe there is really cure to HERPES until I meet Dr.kuta the doctor that have been helping many people for many years, I come across this doctor online when I was searching for cure online I found out about this man, and to my greatest surprise this man have the herbal medicine which I have been looking for years I explain my problem to him through the email I found on someone who testify about him also, Dr.kuta write me a reply and explain how the process work so after ordering for the medicine I got it within 4 days and I took it according to the way Dr.kuta instructed, I was so happy after two week I took the medicine there was very big change in my health when I was done with the process I go for test, I found out I am negative that was the day I have the tears of joy you can also get in contact with my doctor through his email now drkutaherbalcenter@gmail.com or you can also WhatsApp him +2347054547814. And He also have herbs medicine to cured the following diseases; eczema,urethra wart,chronic problems.Herpes, Cancer, Als,Hepatitis, Diabetes, HPV,Infections,ulcer  ETC

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  29. Greetings....
    Check out these credit cards today. 
    My name is Robert Williams from California. A successful business owner and father. I got one of these already programmed Credit cards that allows me withdraw a maximum of $5,000 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $20,000. Mr frank Richard   of Creditcards.atm@gmail.com is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i  saw the advert, I believed it to be illegal and a hoax but when I contacted Mr Frank Richard , he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible Email:Creditcards.atm@gmail.com 

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    ReplyDelete
  31. Never give up in life they all say no cure to HSV 2 which is a big lie I have pass through many process also i never believe there is really cure to HERPES until I meet Dr Shaibu the doctor that have been helping many people for many years, I came across this doctor online when I was searching for cure online I found out about this man, and to my greatest surprise this man have the herbal medicine which I have been looking for years I explain my problem to him through the email I found on someone who testify about him also, Dr Shaibu write me a reply and explain how the process work so after ordering for the medicine I got it within 4 days and I took it according to the way Dr Shaibu instructed, I was so happy after two week I took the medicine there was very big change in my health when I was done with the process I go for test, I found out I am negative that was the day I have the tears of joy you can also get in contact with my doctor through his email now drshaibuabacha@gmail.com or WhatsApp him +2349051727475. And He also have herbs medicine to cured the following diseases; eczema,urethra wart,chronic problems.Herpes, Cancer, Als,Hepatitis, Diabetes, HPV,Infections,ulcer  ETC

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  33. i will love to share my testimony to you all the people in world i got married to my husband about 2 year ago we start having problems at home like we stop sleeping on the same bed,fighting about little things he always comes home late at night,drinking too much and sleeping with other women out side i have never love any man in my life except him. he is the father of my child and i don't want to loose him because we have worked so hard together to become what we are and have today .few month ago he now decided to live me and the kid,being a single mother can be hard sometimes and so i have nobody to turn to and i was heart broken.i called my mom and explain every thing to her,my mother told me about DR.kuta how he helped her solve the problem between her and my dad i was surprise about it because they have been without each other for three and a half years and it was like a miracle how they came back to each other. i was directed to DR. kuta on his email. (drkutaherbalcenter@gmail.com) and explain everything to him,so he promise me not to worry that he will cast a spell and make things come back to how we where so much in love again and that it was another female spirit that was controlling my husband he told me that my problem will be solved within two days if i believe i said OK So he cast a spell for me and after two days my love came back asking me to forgive him i Am so happy now. so that why i decided to share my experience with every body that have such problem contact Dr kuta the great spell caster on his email addresses (drkutaherbalcenter@gmail.com)or whatsapp Dr kuta on (+2347054547814)

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  34. Hi everyone, I saw comments from people who had already got Blank ATM Cards from Mike Fisher. Honestly I thought it was a scam, and then I decided to make a request based on their recommendations. A few days ago, I confirmed in my door step to have received my blank card to withdraw 12,000 euros, which I requested for business. This is really good news and I am so happy that I advise all those who need a real HACKER should contact him and who are sure to reimburse to apply through their email (text or call) +1 315-329-6320 There are sincere Hackers
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  36. I have been suffering from (HERPES) disease for the last four years and had constant pain, especially in my knees. During the first year, I had faith in God that I would be healed someday.This disease started to circulate all over my body and I have been taking treatment from my doctor, a few weeks ago I came on search on the internet if I could get any information concerning the prevention of this disease, on my search I saw a testimony of someone who has been healed from (Hepatitis B and Cancer) by this Man Dr. Silver and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so I wrote to Dr. Silver telling him about my (HERPES Virus) he told me not to worry that I was going to be cured!! hmm i never believed it,, well after all the procedures and remedy given to me by this man few weeks later I started experiencing changes all over me as the Dr. assured me that I have cured, after some time i went to my doctor to confirmed if I have been finally healed behold it was TRUE, So friends my advice is if you have such sickness or any other at all you can email Dr. Silver (drsilverhealingtemple@gmail.com) sir I am indeed grateful for the help I will forever recommend you to my friends!!! with your lovely Email Address ( drsilverhealingtemple@gmail.com

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