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MessagePosté le: Mar 14 Juin - 10:41 (2016)    Sujet du message: ray ban sunglasses outlet store Répondre en citant

Options to Consider Before You Refinance Your Mortgage


I give you some lengthy info on  how and what Ray Ban Outlet Sale considerations go into answering "should I refinance my mortgage" but your quick answer is a no brainer for us: YES! You could qualify for a 30 year fixed with an interest rate as low as 5.5% today. That interest cost savings, plus making more than the Ray Ban Outlet minimum payments, will accelerate your principal pay down and you could be out of your mortgage in a much faster time period. Additionally, rates are VERY low by historic standards so locking in now is a great idea. A favorable credit score will increase your chances of finding the best loan with a low rate and low points, since you will qualify for better interest rates than those available to people with credit problems. Currently, the average interest rate for a new 30 year fixed rate loan is 5.55%, and the average FICO credit score is 723. So, if your credit score is better than 720, you should expect to qualify for an interest rate of around 5.55%, or possibly lower. However, if you have had credit problems in the past, you could be forced to pay a significantly higher interest rate, which could make your monthly payments much higher. For example, the monthly payment on a $100,000 30 year mortgage at 6.5% is approximately $630, plus insurance, taxes, and so on. If the interest rate on the loan increases to 9.5%, the monthly payment increases to $840, an increase of over $200 per month. As you can see, your credit score, which is one of the major determinants of your interest rate, is extremely important when shopping for a new mortgage.


The amount of equity you have in your home (or its inverse   the loan to value or LTV), and the length of time you have been paying on your current mortgage will also be major considerations. In order to lower your payments, you must either obtain a loan with a lower interest rate than your current mortgage, find a mortgage with a longer repayment term, or borrow less than the original balance of your current mortgage. For example, if you have $60,000 left to pay on a $100,000 mortgage, you could cash out $40,000 in equity and keep the same monthly payment as the old loan, assuming the interest rate and loan term remain the same. However, if the balance of your new mortgage will be more than that of your old mortgage, you must either find a lower interest rate or take a loan with a longer repayment term, if you want to keep your monthly payments the same. The ways to build equity are to either pay down your mortgage over time or to build equity by your home appreciating.


The third big variable is your debt to income ratio, or DTI. Debt to income is taken as a measure of your ability to comfortably make Ray Ban Outlet Sale payments on the mortgage with your cash flow. Most lenders look at combined DTI, so the percent of your income that goes to debt payments (including mortgage, auto loans, credit cards, etc) to make sure that you can afford the loan. Some borrowers will allow stated income loans, where income is not formally verified, although given what has happened with defaults it is less likely than ever to get approved for a high DTI stated income loan.


As I mentioned before, you need to shop around with different lenders and brokers to find the loan that best suits your needs.


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