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May 28, 2013 1:53PM
I'm really impressed with the quality of the contents and information posted on this site.
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Jan 18, 2013 10:43AM

Dirt bag banks and real estate folks.  This article is a sham.  The scum bags of the mid 2000's are still at it.  Hey lemmings, go ahead a refinance but beward of all the fees and ask them if the loan will be sold to obama the great.  Along with your refi, why don't you idiots pay down your credit cards, and all of that.  I know what you will do already.  You will take the money saving of the loan and blow it on starbucks, dinners, cars, tv's, shoes, crap and more crap.  And there you go back in the hole...America owns this depression we are in.  Oh, yeah, it's Bush's fault you lemmings

Jan 18, 2013 10:29AM
OK we just bought a home 3 years ago at 5.5% for fixed 30 yr, my bank wells fargo saids not to refinance right now because it will only be $100 savings and my payments won't change, it will just start the clock over for 30 years.  I do pay an extra payment a year.  Should I go searching for another bank or credit union to refinance or should I stay at where I am at and continue to make that extra payment a year?   
Jan 18, 2013 9:19AM
Worked for 6 months to find a lender that would do an asset based 30 year jumbo re-finance. By that, I mean since I'm retired we didn't have enough income for the new debt/income ratio banks are looking for. The irony is that for the last 15 years we had been paying our mortgage to Bank of America at a rate of 6.25% and, although they wouldn't re-fiananced at a lower rate they were perfectly happy to keep collecting our mortgage payments at the higher rate. And, we bailed the big banks out. Well, we finally got a new 30 year jumbo at 3.625%, with no points and about $1500 in closing costs. This is saving us almost $1800/month. The process is not easy, but the rewards can be well worth all the effort and indignity.
Jan 13, 2013 2:20PM
I'm at 2.5% that's fine by me....little over $20,000 left on mortgage.
Jan 13, 2013 1:48PM
One of your catagories,  'it's al ot of paper work " who in hell would not spend a few minutes doing paper work to save a lot of momey ?
Jan 13, 2013 1:09PM
I close this Wed. on my 2.62%, 15-year refi.  That's lower than the 30-year mortgage my parents got almost 50 years ago, which was 2.8.  Also get 18 grand back which will fund my 2013 Roth, as well as my wife's.  It's a great time to refi!
Jan 13, 2013 8:29AM
Its is right now also a great time for a refinance houses  but theres not much lenders with any funds available right now so Its better to pay things off now with cash..
Jan 13, 2013 5:22AM
It's a great time to refinance your home.    That is the question - not will you be.
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