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Refinancing Basics

Reasons to Refinance

Refinancing to Save Money

Refinancing to Get Cash

Rule of Thumb for When to Refinance

Types of Refinances

Are Home Equity Loans the Same as Mortgage Refinancing?

Comparing Cash-Out, Rate and Term Refinancing and Home Equity Loans

What to Consider Before Refinancing

Requirements, Costs and Time Involved for Refinancing

CHOOSING THE RIGHT FINANCING

Mortgage Lenders

Eight Comparison Points to Find the Best Loan Value

Understanding Fixed Rate Mortgages

Understanding Adjustable Rate Mortgages (ARM)

The Difference Between a Fixed and Adjustable Rate Mortgage

Best Choice for You—ARM or Fixed-Rate Mortgage

HOW YOUR CREDIT AFFECTS MORTGAGE REFINANCING

Your Credit Score

Obtaining Your Credit Report and/or Score

Credit Bureaus and Your Financial Information

What the Credit Numbers Mean when Refinancing

What Lenders Want

Your Credit is Affected by Major Life Changes

How Lenders Determine How Much Mortgage You Qualify For

Concerns When Tapping Equity and Consolidating Debt

If You Have a Blemished Credit Report

Subprime Mortgages

THE REFINANCING PROCESS

Refinancing is a Brand New Mortgage

Applying for a Mortgage Refinance Loan

Low Doc Programs

Refinancing Costs

Closing Cost Estimates

Points — What are They and What Do They Cost?

What Happens After the Application?

Processing of the Loan

The Loan Closing

Three Day Right of Rescission

Reasons a Loan May Not Be Approved

Tips for Bringing a Loan To a Successful Closing

REVERSE MORTGAGE

Reverse Mortgage for Retirement Income

What Happens to the Home?

Who is Eligible for a Reverse Loan?

Three Types of Reverse Mortgages

Reverse Loan Features

Getting the Best Reverse Mortgage

Reverse Mortgage Fees

Reverse Mortgage Payment Plans

Reverse Mortgage Interest Rate Adjustments

In Considering a Reverse Mortgage Be Aware

GLOSSARY OF MORTGAGE REFINIANCING TERMS

Terms And Conditions

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