Kings Bay Saint Marys & Kingsland Georgia - Affordable Home Mortgages

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Kings Bay Saint Marys & Kingsland Georgia - Affordable Home Mortgages

Kings Bay Saint Marys & Kingsland Georgia - Affordable Home Mortgages

Buying a home is usually the largest purchase any of us will make in a life time. When choosing a home, you want to find one that suits your families needs best. Take the same steps when choosing a mortgage company!

When you are looking for a mortgage company, do your homework! Interview the loan officer and ask him what he or she has to offer you in terms of savings, interest rates and mortgage loan products.

Ask for a Good Faith Estimate of Settlement charges. Ask the lender if there is a lock fee and for how long?

A good lender should discuss with you the different programs that they offer. Most lenders offer VA, FHA and Conventional mortgage financing. You should discuss with the lender your future plans, such as how long you plan to live in the home. This will help them determine if a fixed rate or an adjustable rate mortgage works best for you.

With interest rates still at record low, most homebuyers are taking a fixed rate mortgage if they plan on living in the home more than 3 years. Adjustable rate mortgages have many different terms that the rate is fixed, 1, 3, 5 and 7 years are the normal terms that are offered. Fixed rates assure you that the rate is fixed for the entire term of the loan. Loan terms offered are usually 15 or 30 years, however 10, 20 and 25 years are also available.

Choosing the right mortgage company will help you make an intelligent decision and make the transaction go a lot smoother.

Choosing the wrong mortgage company can result in higher rates, terms that you didn't understand and overall stressful experience.

If you would like to know more, please visit my website. My website contains loan payment tools and calculators to help you understand more about what you can afford. You can also apply online. My contact information is on my website. Please feel free to visit us at www.thebestmortgageguy.com

Glenn Keller is a veteran in the mortgage industry and is associated with Affordable Home Funding at 1204 Hospitality Ave. Kingsland, Georgia 31548. For contact information, please visit our website at http://www.thebestmortgageguy.com

In The News:

King of How To News
No Drop in Refinancing Expected
NASDAQ
Overall mortgage lending is expected to increase slightly this year, the Mortgage Bankers Association (MBA) is predicting, thanks to declining rates that are supporting continued demand for refinancing. The MBA today upped its mortgage lending estimate ...
Mortgage Refinance in Today's Real Estate MarketKing of How To News
Refinance Applications Increase in U.S. for Third Consecutive Week, Driven by ...World Property Channel
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eCreditDaily.com
Time to Refinance While Mortgage Rates are So Low
FreeRateUpdate.com
After taking a look at these details, many borrowers are going to find that it is time to refinance while mortgage rates are so low even if they refinanced several years ago. For those with adjustable mortgage rates, it is the perfect time to switch to ...
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MBA Weekly Survey: Refinance Applications Increase Because of Record Low ...LoanSafe
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e-wisdom.com
Realtors(R) Offer Support for Bill to Help Responsible Homeowners Refinance
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WASHINGTON, DC, May 24, 2012 (MARKETWIRE via COMTEX) -- A proposed bill to streamline and align the refinance processes of Fannie Mae and Freddie Mac may soon make it easier for homeowners who are current on their mortgage payments but who have been ...
Mortgage Rates: Low Mortgage Rates Remain in Place as Consumer Sentiment SoarsFreeRateUpdate.com
Freddie Mac: 30-year mortgage rate down a tick at 3.78%Los Angeles Times
Refinancing homeowners overwhelmingly choose fixed loanse-wisdom.com
International Business Times -KETK -BusinessWeek
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The Mortgage Reports (blog)
The Truth About Mortgage Refinancing Revealed by Georgia Mortgage Expert
SBWire (press release)
Atlanta, Georgia based Mortgage Broker Brad Hartman reveals mortgage refinancing secrets, offers free reports, a home buying guide and free mortgage calculators on his website, brad-hartman.com. The site is designed to give Georgia residents all the ...
Real estate industry pushes Senate on refi billMarketWatch
Push intensifies to pass home-loan refinancing billThe Hill (blog)
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Mortgage rules prove too strict for some retirees
Washington Post
Jim Eberle of McLean found this out the hard way when he applied to refinance his mortgage. After spending much of his career working for banking industry trade associations in Washington, Eberle, 68, decided to take advantage of this spring's ...

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Mortgage Origination Forecast Increased by Nearly $200 Billion by TSA
LoanSafe
MBA now expects that mortgage originations will reach $1.28 trillion in 2012, up from $1.26 trillion in 2011. Refinance originations are now expected to total $870 billion in 2012, an almost identical amount to 2011. MBA is slightly lowering its ...
2012 Originations Now Expected to Exceed 2011Mortgage Daily

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Obama's Disclosure Shows Mortgage Refinance Not High on Agenda
San Francisco Chronicle
Rates for a 30-year fixed mortgage averaged 4.46 percent last year, according to Bankrate.com data, hitting a low at the end of the year of 3.92 percent. In 2011, 4.3 million homeowners refinanced, according to data from the US Department of Housing ...

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Politico
Obama to tout success of mortgage refinancing
Washington Post
In addition, he cited a program Obama announced in October 2011 designed to remove barriers to refinancing to homeowners with federally backed mortgages. Now, it is up to Congress, Donovan said, to expand such programs to homeowners with loans that are ...
Obama touts mortgage refinancing to help economic recoveryThe Hill (blog)
Obama Visits Reno, Urges Congress To Expand Mortgage Refinancing ProgramCarson Now
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Chicago Tribune
Costco members can now shop for mortgages online
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Mortgages? Well, not exactly. The company is receiving a fair amount of publicity for the rollout on its website of a home purchase and refinancing mortgage product for members. But technically it's not Costco's program. It's an online mortgage ...

e-wisdom.com
Mortgage refinancing applications jump; rates fall: MBA
Chicago Tribune
NEW YORK (Reuters) - Applications for US home mortgages surged last week, driven by increased demand for refinancing as interest rates hit fresh lows, an industry group said on Wednesday. The Mortgage Bankers Association said its seasonally adjusted ...
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