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Top 10 Reasons People Refinance

10

To convert a fixed rate to an adjustable. Yes, this is sometimes done in order to lower a rate and/or payment.

9

To change lenders.

8

Before relocating to a new home. Often it's wise to obtain cash out or put in place good permanent financing if the old home might be retained and rented.
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More free info on your mortgage and home ownership:

Refinancing Right
   6 Facts and Features You Should Be Aware Of

Don't Make a Major Move
   Without Having Your Mortgage Financing in Perfect Shape

Refinance?
   Are People Still Doing That?

Use Your Mortgage as a Financial Planning Tool

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Interest Rates Interest Rates             

 

Calm down but move quickly                Jun 18 2009

  Mortgage rates are up but we've gotten some relief this week.  After jumping 1%, rates have come back down about .5%.  But this may well be a short lived rally, so if you are thinking of refinancing this may be the time to start.......Many people have put off starting their refinance because they had been convinced that the 30 year rate would fall to 4.5%.......Remember, you can start the refinance and be ready and not have to lock in your rate until it hits your target.  You can start the process and never complete the refinance at all if the rate never gets to your level......But you must get me an application and invest in an appraisal.  That way we have a complete loan file which can be locked at any time...... 

 

 

 

Refinance Q & A:

Q: What does it cost to refinance?
First of all, for most refinances, the amount of the fees should be viewed as an investment and not a cost.

Q: How long does it take to refinance?
Closing can normally take place about 7 working days after you've provided us with the requested paperwork....

Q: What paperwork if required from me?
Most recent pay stub, last year's W-2(s), most recent checking, savings, brokers, and 401k/IRA statements, and....

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