An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know


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Why refinance?

I believe that the best results happen when working with a mortgage broker. Being organised is key, so let's start by gathering all your relevant documents and information together so that you know where you stand financially right now. Documents and information you will need to have at the ready:.


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It is also a good idea to be clear on what you want to achieve by refinancing. By that, I mean getting clear on:. Your answers will guide the research done by your broker so that they can present you the deals suit your requirements.

Make sure you're aware of the costs involved in refinancing. It pays to remember that refinancing isn't simply a case of finding a better interest rate. The costs of breaking the original loan, and the features and conditions of the new offer, need to be carefully considered so you can work out whether its worth it to make a change.

5 Things to Consider Before Your Cash-out Refinance Application

You should create a shopping list of the features you want - low rate, offset account, redraw facility, etc. Lenders change their policies often, but your broker will know how the latest policy changes may affect your choice of lender. It is difficult to accurately compare current home loans on the market without the help of a mortgage broker. Once you've decided on the loan you want, you need to submit an application. Generally, a lender requires the previous two years' tax returns, the last two months' pay stubs and proof of assets such as real property or vehicles. Once you receive the lender's loan quote, thoroughly evaluate the total cost of the loan and how it compares to your current payment on a monthly basis and over the length of the loan to ensure you do in fact save money by refinancing the loan.

Once the homeowner and lender make an agreement for a refinance, the lender will order a professional appraisal. The cost of the appraisal may be charged to the homeowner. The appraiser will evaluate the home's condition and compare it with homes in the area to establish a value. The difference between the mortgage amount and the appraiser's amount is the home's equity. The lender will determine the loan terms based on the home's equity and typically will not offer a refinance to a borrower with negative home equity.

The lender will complete all title documents and send them to a title company to finalize. The new lender sends a wire transfer to the existing lender to pay off the first mortgage loan. The homeowner will sign the closing documents and pay any relevant fees to the broker, lender or a third-party plus the required government fees for recording of the new mortgage deed.


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Tricia Chaves began her writing career after working in advertising and promotions for entertainment publisher "The New Times. She was certified as a life and weight-loss coach and master practitioner of neuro-linguistic programming in We will use him again, if we ever have the opportunity in the future.

Downers Grove Real Estate Mortgage & Refinancing Loans: Mortgage Calculators

Randy is amazing - If I had a question I knew I'd receive a prompt response. He is great with communicating which made the whole process easier. He is very friendly, honest, and patient. I highly recommend Randy! Works so hard to answer questions and gives you the best experience you can ask for. Is not like a car salesman just trying to push a product on you. As a first-time home buyer Randy and his team were really accommodating!

Randy or a member of his team was always available to take my calls and answer whatever questions I had right up to and through closing! He did an amazing job! It was great working with Randy! He took the time to make sure everything was explained on a level that I could understand and was available for any extra questions!

Once I knew how trustworthy Randy was, I felt much more comfortable diving into an area that I have very little experience. He kept me posted at each step and I his advise was very helpful throughout it all. Randy was great to work with and was always available to answer questions.

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He kept us informed throughout the process and worked extremely hard for us. Randy is patient and kind. He made the loan process easy and enjoyable. I would recommend working with Randy. He kept us updated and was a pleasure to work with. Randy made himself very available to help answer my questions, provide me honest answers, and respond very quickly.

As a first time home buyer, he made the process clear and simple and was never anything but helpful. His team was also excellent to work with! I would highly recommend. Randy the Grondman team did a fine job helping us find the right house. It was a pleasure working with them! Randy was quick with answering any questions we had about our loan. He is very knowledgeable when it comes to a 15yr loan and a 30 yr loan. Randy was an all around great guy to get us into our first home.

2. What do you plan to do with the funds from the cash-out refinance?

Randy was great to work with while I was going through the buying process. He is professional, patient, responsive and readily available, I never had to wait to speak to him. He also followed up appropriately when necessary. I would highly recommend Randy to potential buyers! Apply Online Call Us Today Apply Online. Renting vs Buying Should I Refinance? Buying or Refinancing a Home?

What Do You Need for Refinancing Your Mortgage?

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An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know
An Insiders Guide to Refinancing Your Mortgage: Money-Saving Secrets You Need to Know

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