Mortgages Online · mortgage advice, remortgage · first time buyers

Mortgages, Home Refinance,
Equity Lines of Credit
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Home mortgages and home refinancing will likely be a part of your life if you intend on buying a home. Buying rather than renting has the advantage of tax deductions and investment value which is not possible when you rent.

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Applying For The Right Mortgage or Home Refinance Loan
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Mortgage Sense

It's a good idea to refinance your home when the APR offered is at least 1.5% lower than what your current home mortgage APR is. If there are 2 or more closing points attached to the loan, then a 2% difference is preferable (i.e. if your current home loan is at 8.375%, you would want to find a loan at 6.375% or less if there are 2 or more points for closing). You can pay off the points up front or roll them into your loan. Don't forget to report the points on your IRS tax filing—they are deductible.