Refinance

Mortgage Relief | Mortgage Stimulus Program 2021

October 21, 2021

Homeowners who have waited patiently to see if rates will go lower finally have their chance. According to Freddie Mac, the 30-year fixed-rate mortgage fell to the lowest rate ever […]

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Refinance

Fannie Mae High Loan-to-Value Refinance Option (HIRO) Guidelines for 2021

September 1, 2021

Editor’s Note: HIRO is temporarily paused due to volume. But you may be eligible to refinance with another program. Speak with a mortgage expert to understand your options. The Fannie […]

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Niche Mortgage Products · Refinance

RefiNow and Refi Possible | New Low-Income Refinance Programs 2021

August 12, 2021

What are RefiNow and Refi Possible? RefiNow and Refi Possible are new refinance programs available to homeowners with existing conventional mortgages owned by Fannie Mae or Freddie Mac. They’re open […]

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FHA Loans · Refinance

FHA MIP Refund Chart & Guide | 2021 Mortgage Insurance Premiums

August 3, 2021

When you get an FHA loan, the home buyer pays a mortgage insurance premium at the time of closing. This initial premium is the called the upfront mortgage insurance premium […]

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Refinance

How much does it cost to refinance?

July 7, 2021

It typically costs between 2% and 5% of the amount you’re borrowing to cover the closing costs of your refinance.

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Refinance

How soon can you refinance?

July 7, 2021

You may be surprised by the speed with which you can refinance a mortgage after you bought your home or did your last home refinance. It can be a matter […]

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Refinance

No-Closing-Cost Refinance: The Complete Guide

May 19, 2021

A no closing cost refinance allows you to refinance a mortgage without paying closing costs at the time of closing.

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FHA Loans · Mortgage Strategy · Refinance

FHA Streamline Refinance: Negotiate Zero Out-of-Pocket Closing Costs

May 13, 2021

Mortgage interest rates are at historic lows across all major loan types. Ellie Mae’s March 2021 Origination Report showed that FHA loans are no exception — average mortgage interest rates […]

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Cash Out Refinance · Refinance

5 Things to Consider Before Your Cash-out Refinance Application

May 13, 2021

On the surface, applying for a cash-out refinance mortgage sounds like a no-brainer. You may be able to lower your interest rate, plus you walk away with some cash. But, […]

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FHA Loans · Refinance

FHA Streamline Refinance Rates & Guidelines for 2021

May 13, 2021

The FHA streamline refinance program helps current FHA homeowners lower their interest rate and monthly payment — it’s a quick and cost-effective way to refinance with lenient documentation requirements and […]

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  Mortgage expert Tim Lucas has been helping home owners for over 12 years.

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