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Category | Mortgage Refinance

FHA Mortgage Versus Conventional: Which is Best?

If conventional loans are like square pegs for square holes, FHA loans have government backing that square’s the circle and helps put the round peg in that same square hole. There is a cost to this, so logically you don’t want to pay any more than you have to. FHA and similar government backed home […]

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Avoiding Foreclosure When Money Is Tight

Avoiding foreclosure on your home, after a huge investment of your money and time, is the number one priority of the new homeowner. But you can’t have what you want just by dreaming, you need to continue to budget your spending according to what you can afford. You will need to carefully judge the affordability […]

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Balloon Mortgages And When They Make Sense

It sounds a little strange doesn’t it that companies would come up with the name “balloon” to describe a mortgage. However, it makes more sense when you understand what a balloon mortgage is. It allows you to borrow a larger amount, paying only on a percentage of what is borrowed, and then making one “balloon” […]

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How Does Mortgage Refinancing Work?

Reasons To Consider Mortgage Refinancing Refinancing in mortgage lending is when a homeowner, who has existing financing on their home returns to the market and replaces the existing mortgage, hopefully on better rates and terms than the original. There are many good reasons to consider refinancing your home but it might require a careful examination […]

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Why Pay Points on a Mortgage?

When you are shopping for a mortgage you will hear the term points and learn that they are an expense that you have to pay up-front, at closing to kick off your home loan. So the question is: Why pay points on a mortgage? This is an up-front fee that is common practice but it can […]

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IMN: Best Mortgage Company In Monmouth County (Again)

Intercounty Mortgage: Best Mortgage Company In Monmouth County (Again) For the second year in a row, Intercounty Mortgage Network was voted the best mortgage company in Monmouth County for 2014 by the readers of the Asbury Park Press. At Intercounty Mortgage, we pride ourselves on excellent customer service, honesty, and integrity in ensuring your mortgage […]

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Refinance Basics: Should I Refinance My Home Loan?

Two Main Reasons To Refinance Your Home Loan There are several reasons you might consider refinancing your home loan but it comes down to just one of two types of situations: Either you are getting better terms or taking equity out of your home. The particular details of your situation and of the present market […]

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HARP Basics

The HARP Refinancing Lifeline In An Ocean Of Debt The last few years have seen some turbulent times in the home lending market. One of the ways that the Federal government has been helping homeowners to recover is through the Home Affordable Refinancing Program or HARP. The conditions of the market in the mid-2000s were […]

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Cash-Out Refinance or Second Mortgage for Debt Consolidation

Cash-out refinance or a second mortgage can be used for debt consolidation if that becomes necessary. If the monthly payments for your various debts are getting too much for you, and you have equity on your home, it makes sense to use that to pay the debts off. The interest you are paying on loans […]

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Using a Second Mortgage for Debt Consolidation

Using a second mortgage for debt consolidation is one way of solving your debt problems. However, before opting to take this route you must consider the pros and cons. The pros might be obvious to you, but there are implications that might not be immediately obvious. Here are some of these. Second Mortgage Subordination When […]

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