mortgage company, North Carolina NC
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mortgage company, North Carolina NC |
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mortgage company - North Carolina NC: Loans & Mortgages :: Refinancing :: Bad credit loans :: First time buyers home loans :: Advice on the best loan for you :: Mortgage advisor. A home equity line of credit is a form of revolving credit in which your home serves as collateral. Think of it as a credit card that is secured by the equity in your home. Many homeowners use these credit lines for major items such as debt consolidation, travel expenses and home improvements.What does the application consist of? The typical application is basically an outline of who you are, the property you want to buy or refinance, and your financial assets and liabilities. If interest rates drop significantly, you may want to investigate refinancing. Most experts agree that if you plan to be in your house for at least 18 months and you can get a rate 2% less than your current one, refinancing is smart. Refinancing may, however, involve paying many of the same fees paid at the original closing, plus origination and application fees.Property Taxes These are taxes paid to local governments, usually charged as a percentage of the property value. Your lender collects the taxes through your monthly payments. The amount of tax will vary depending on the location of the home. It doesn’t generally work like that anymore. Most of the money for home loans comes from three major institutions: Fannie Mae (FNMA - Federal National Mortgage Association) Freddie Mac (FHLMC – Federal Home Loan Mortgage Corporation) Ginnie Mae (GNMA – Government National Mortgage Association). Rate 15 days 30 days 45 days 6.250% 2.000 2.125 2.250 6.375% 1.500 1.625 1.750 6.500% 1.000 1.250 1.375 6.625% 0.500 .625 .875 6.750% 0.000 .250 .375 6.875% (.500) (.250) (.125) 7.000% (1.000) (.750) (.500) 7.125% (1.500) (1.250) (1.000) 7.250% (1.875) (1.625) (1.375) 7.375% (2.125) (2.000) (1.750) 7.500% (2.375) (2.250) (2.000) MORTGAGE BANKERS If we are talking about the larger mortgage bankers, you can count on them having several strengths. For the biggest ones, like Countrywide or Wells Fargo, you will recognize the brand name. |
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