Compare Refinance Mortgage Rates in State

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1 When does refinancing make sense?

Home owners refinance for a number of reasons. The most common reasons include the need for a reduced monthly payment, smaller interest rate, shorten the length of the loan or to change the type of loan (i.e. switching from an Adjustable Rate Mortgage to a Fixed-Rate).

2 What type of fees are involved when refinancing?

Like a mortgage, refinancing costs money. There are loan origination fees, application fees, appraisal fees, title search fees, and attorney fees, among others. Remember, all of these costs need to be wrapped up in the refinancing package, along with the loan amount, even with the so-called "no-cost refinancing."

3 Is a 15-year mortgage right for you?

If a lower interest rate can be obtained, refinancing to a 10- or 15-year mortgage may help you save money in the long run, as long as the payments fit within your budget.

Comments & Questions

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Monday, 22 Aug 2016 6:26 PM
<p>As of August 2016, you're like to need a credit score of at least 620 to qualify for mortgage refinancing.</p>
Sunday, 21 Aug 2016 7:28 PM
<p>What is the credit score criteria for home refinancing loan?</p>
Monday, 28 Dec 2015 7:28 PM
<p>Janice, you certain can refinance your mobile home. Depending on whether the mobile home is considered personal property or real estate, you can qualify for different loans for your refinancing goals.</p><p>To have the mobile home refinanced under a mortgage, it would have to be considered real estate. Otherwise, you'd have to look a personal property loans (aka. chattel loans) to refinance the mobile home. Be aware that chattel loans tend to come with higher interest rates compared to mortgages.</p>
Monday, 28 Dec 2015 7:06 PM
<p>can i get a refinance on my mobile home that is in a park?i have been paying on it for almost 8 yrs,i bought it new.</p>