If you are like most borrowers who are in an Adjustable Rate Mortgage, or ARM, you already know when your rates are going to increase, but you’re afraid to do anything about it because of your mortgage’s pre-payment penalty. But you don’t have to wait until your prepayment penalty expires to start the refinancing […]

Welcome to Part 2 of our special series on Refinancing, where we are covering the method by which can evaluate whether or not refinancing is a good choice for you. We are focusing on 3 major steps to the process, which are Identifying the Reasons to Refinance, Analyzing the Costs, and Weighing this all […]

Love it or hate it, the Payment Option ARM or Pick a Pay mortgage has become one of the most popular home loans in the USA, and is definitely the fastest growing option in high cost states like California, Florida, New York, New Jersey and Connecticut. While many people love the 1% start rates, […]