Setting Refinance Goals Resource Center

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Refinancing Only Pays Off After This Exact Month

Refinancing Only Pays Off After This Exact Month

A refinance quote that shows you saving $162 a month and $58,000 over the life of the loan is doing something dishonest with the second number. The monthly figure is usually real. The lifetime figure almost never is — because it quietly compares a...

The Mortgage Insurance That Never Goes Away

The Mortgage Insurance That Never Goes Away

FHA loans win the comparison on day one — lower rate, lower credit requirement, 3.5% down. The comparison changes around year seven, when a conventional borrower's mortgage insurance disappears and an FHA borrower's does not. You'll learn how each...

When Is The Best Time to Refinance Your Home?

When Is The Best Time to Refinance Your Home?

Mortgage News Optimal Times to Refinance Your Home: 2026 Market Insights By Sarah Peterson | April 15, 2026 | Source: MortgageDaily.com As mortgage rates continue to fluctuate, homeowners are increasingly asking, "When is the best time to refinance...

When Is The Best Time to Refinance Your Home?

Preparing to Refinance: A Guide to the Process

Refinancing your house mortgage is a significant move that might help you save money and improve your financial status. It’s critical to comprehend the procedure’s components and the preparation requirements. The preparation measures...

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When Is The Best Time to Refinance Your Home?

Mortgage Rates Today: Daily 30-Year Rate 6.69% Aug 9 2026

30-Year Fixed 6.69% 15-Year Fixed 6.01% 5/1 ARM APR 6.25% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today held the 30-year fixed at 6.69%, unchanged from yesterday's 6.69%. The 15-year fixed sits at 6.01% and the...

The $250 Way to Lower Your Payment Without Refinancing

The $250 Way to Lower Your Payment Without Refinancing

50 Way to Lower Your Payment Without Refinancing"> You have a 4.1% mortgage from a few years ago and a lump sum you want to put against it. Refinancing means surrendering that rate. Paying extra toward principal shortens the loan but leaves your...

When Is The Best Time to Refinance Your Home?

Mortgage Rates Today: Daily 30-Year Rate 6.69% Aug 8 2026

30-Year Fixed 6.69% 15-Year Fixed 6.01% 5/1 ARM APR 6.25% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today climbed to 6.69% on the 30-year fixed, up from 6.65% yesterday. The 15-year fixed sits at 6.01% and the 5/1...

The Write-Offs That Saved You Tax Just Cost You a Mortgage

The Write-Offs That Saved You Tax Just Cost You a Mortgage

You ran a good year. Revenue was strong, the business is healthy, and your accountant did exactly what you paid them to do — minimised your taxable income. Now the underwriter is looking at the same return and seeing a borrower who earns $61,000....

When Is The Best Time to Refinance Your Home?

Mortgage Rates Today: Daily 30-Year Rate 6.65% Aug 7 2026

30-Year Fixed 6.65% 15-Year Fixed 5.91% 5/1 ARM APR 6.24% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today eased slightly, with the 30-year fixed slipping to 6.65% from 6.67% yesterday, even as the broader trend...

You Paid $4,000 to Lower Your Rate. Was It Worth It?

You Paid $4,000 to Lower Your Rate. Was It Worth It?

Your lender offers to drop your rate from 6.55% to 6.30% for $4,000 at closing. The payment falls by $66 a month, which sounds like an easy yes — until you divide one number by the other and find you need to keep the loan for five years before you...

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