Refinancing Your Home
Refinancing your home can be an excellent way to lower your monthly mortgage payment, raise cash, or consolidate debts with high interest rates. However, you need to do your homework before deciding to refinance.
One important factor is the difference between current interest rates and the rate of your original loan. You also need to take into account the amount of time it will take to recoup the costs of refinancing.
Keep in mind - refinancing usually lengthens the time it takes to pay off your mortgage. If you are 3 years into a 30-year mortgage and then refinance with a new 30-year loan, you'll end up making payments on the house for 33 years. Nevertheless, if the monthly savings are substantial enough, you still could end up paying much less over the long haul with the new loan.
Be careful of lenders offering 100 or 125 percent home equity loans, as their rates are often markedly higher than traditional lenders. In addition, any amount you borrow that is above the market value of the house is NOT tax deductible. Check with your tax professional on this.
Talk with your lender about the different types of refinancing loans available today. You should take some time to shop around and speak with several lenders before making a decision. Be sure to discuss all the expenses and benefits, as well as what will be expected of you, in advance. The more you educate yourself, the better your chances of finding the right refinancing package.
Have comments about this article? Please use the comment link below to share your thoughts.
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Real Estate: No Light in Sight
For those in the real estate industry and for those looking to buy or sell a home, it could take until 2009 to catch a break.
That's the forecast from Doug Duncan, chief economist for the Mortgage Bankers Association (MBA). Duncan expects national median home prices to fall between 2 percent and 4 percent both this year and next. Prices will be held back by an oversupply of homes for sale, an increase in foreclosures and continued uncertainty among mortgage investors.
For this year, Duncan is predicting a 22 percent drop in new home sales and a 12 percent drop in existing home sales, followed by a 10 percent drop in each next year.
What? No good news?
There's one group of home buyers, home sellers and loan originators who will have an easier time of it than everyone else: those dealing with "anything that's conventional and conforming," Duncan said. In other words, 30-year fixed rate mortgages for borrowers with good credit under the "jumbo" cutoff of $417,000.
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Home Heating Bills Will Increase
No matter how you heat your house, this year will cost you more than last, according to a government report issued recently.
Americans will spend $977 to heat their homes this year, averaging for all fuels across all sections of the country, according to the Energy Information Administration.
That's nearly 10 percent higher than the $889 spent last year and the highest amount ever, not adjusted for inflation. The previous record was $948 in 2005-2006, according to EIA.
Those heating with oil can expect to pay $319 more this year compared to last. Natural gas users, accounting for more than half of U.S. households, can expect to pay 10 percent, or $78 more this winter.
In addition to citing higher fuel prices, EIA said this winter is projected to be 4 percent colder than last - although still about 2 percent warmer than the 30-year average. Colder temperatures this winter compared to last account for some of the rise in heating costs.
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