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.

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  30. 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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  42. Most of these so called hackers are imposters, I’ve been ripped off a couple times before i luckily got a reliable contact White Wayne. A hacker that works with discretion and does all sorts of hacks, I would prefer to let his services speak for itself, if interested in getting your credit score increased, erasing DUI, breaking into credit bureaus, clearing bankrupcies(depends on amount) etc you can contact him at Whitehatspytech@cyberservices.com You surely will thank me!!

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