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Mortgage Refinancing
Low ARM rate may take ugly turn
An adjustable-rate mortgage may look great today, but it could become a trap if rates rise.
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Recent Mortgage Refinancing Stories

Work history key to refinance

Lenders scrutinize work history before deciding whether to approve applications for new loans.

4 steps to refinance mortgage

Mortgage rates are dropping. Should you consider refinancing your mortgage? Here's how.

Coping with mortgage rejection

Your mortgage application has been rejected. Fear not: Here are some tips to deal with it.

Using first-time buyers credit

The federal economic stimulus plan aims to help homebuyers and the housing market.

Behind on mortgage again?

There are few options for someone in bankruptcy and who's already modified the mortgage once.

How long will low rates last?

Low rates and housing prices are making it attractive to buy a home. How long will it last?

Check credit before a refi

There are refinancing programs to fix your mortgage. But you'll still need a clean credit report.

First-time homebuyer deals

Mortgage deals and incentives give first-timers their best opportunity to buy in recent history.

Mortgage delinquencies hit high

Driven by job loss, two out of 15 mortgages were past due or in foreclosure in the second quarter.

No more tricks & traps pricing

Consumer advocate Elizabeth Warren explains how stronger rules will protect mortgage consumers.

Don't use 401(k) to refinance

It's likely a mistake to raid a 401(k) retirement fund and use the funds for a mortgage refinance.

LIBOR risk low for homeowner

A homeowner planning to move in a few years likely can handle the possibility of rising LIBOR rates.

Tactic won't slow foreclosure

A choice now about whether to pay down the first or second mortgage won't slow a future foreclosure.

Refinancing? Know the details

The Home Affordable Refinance program is filled with tiny details that could derail potential deals.

Credit, equity fuel refinance

Loads of equity and a good credit score should make a home mortgage refinance a slam dunk.

Loan modification trial period

We answer 10 questions about how the required Home Affordable Modification trial period works.

40-year mortgage: a joke?

Borrowers may like lower payments, but a mortgage that lasts four decades isn't always best.

Weigh interest-only refinance

A condominium homeowner may benefit from a mortgage refinance on an interest-only loan.

Is your agent tech-savvy?

The Internet is where it's at when selling homes these days. Is your selling agent wired?

Cash-out refinance sensible

The math suggests a cash-out home loan refinance may make the most sense.
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Overnight Averages
Product Rate +/- Last week
30 yr fixed
5.13%
5.16%
15 yr fixed
4.70%
4.60%
5/1 ARM
4.30%
4.26%
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Product Rate +/- Last week
30K HELOC
5.31%
5.33%
30K Home Equity Loan
8.35%
8.39%
50K HELOC
5.06%
5.07%
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Product Rate +/- Last week
48 Mo Used Car
7.50%
7.51%
48 Mo New Car
7.05%
7.12%
36 Mo Used Car
7.39%
7.43%
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Product Yield +/- Last week
6 Mo CD
1.30%
1.32%
1 Yr CD
1.72%
1.76%
5 Yr CD
2.94%
2.96%
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Low Interest Cards 9.74%
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All Variable 11.68%
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