Author: Evan Vanderwey
Website: http://www.lansingmimortgage.com/why-bother-refinancing-ii.h…

I’m thinking about selling my home soon and moving out of the area.  Should I bother refinancing?

This client of mine (Joe again) is in a $250,000 mortgage that I wrote for him in 2006. It was a 15-year fixed-rate loan, and his rate is 5.875%.  He put plenty of money down at the time and since he has been making payments on a 15 year clip, he has enough equity in his home to qualify for a mortgage right now even though home values have dropped in his neighborhood.  The appraisal would only have to come in for $260,000 today for him to do a mortgage with no price adjustments, and with his good credit scores, the new loan would actually be slightly less expensive than when he did his last loan.

In fact, this loan, rewritten at a 4.5% interest rate would allow Joe to pay off his loan in around 10 years saving him almost $50,000 in payments!

Yet, he is quite sure that he will be moving soon.  In fact, this fall, 2010 will be the date he puts the house on the market and…

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When it comes time to looking for auto insurance or to renew your current policy, it’s a good idea to compare car insurance quotes. If you realise how many insurance providers are out there competing for your money, you’ll probably agree that it’s a good idea to look for the…

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