Jason Berube gives tips on To refinance or not to refinance? That is the question…

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There is more than one type of mortgage, and it is possible to refinance with a different type of mortgage than the original loan.For example, having a fixed-rate mortgage doesn’t mean that you can’t take out an adjustable-rate mortgage when you refinance. However, before you consider switching, make sure you completely understand the terms of the new loan.

I bought a house 6 months ago before I sold my condo. I borrowed the money from my brother for the new home until the condo sold. I have a written contract and have been paying interest. He is starting to get nervous, so I would like to take out a mortgage for the home to pay him back. Would this be a refinance or a home equity loan?

To refinance or not to refinance: That is the question If you’re a homeowner, you might consider refinancing, or trading in your high interest rate mortgage for one with a lower rate. refinancing down to, say, 4.5% from 6% can save you tens of thousands of dollars over the course of repayment.

Mortgage refinancing tips, tricks and advice. Asked by Pete Flint, Noe Valley, San Francisco, CA Mon Jan 26, 2009. I want to pull together a range of tips and advice for home owners that want to take advantage of the low rates and refinance their mortgage.

 · fha loans. fha loans are a pretty good option if you want to get a mortgage after bankruptcy. If you have a Chapter 7 or Chapter 11 bankruptcy in your past, the bankruptcy has to be discharged or dismissed for two years prior to application. If the bankruptcy is a Chapter 13, it can be dismissed just one year prior.

It’s usually not good enough just to give your mortgage to your regular attorney, instead insist on somebody who has experience with real estate because they can do a better job and they’ll do a quicker job which means you’ll pay less since lawyers charge by the hour.

Ilyce Glink gives tips on avoiding common mortgage refinance scams on today’s Real Estate Minute. Common refinance scams include phony counseling services and fake government modification programs.