54 ordspråk av Keith Gumbinger

Keith Gumbinger

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The question you need to ask yourself is, why would a bank be pitching you this product at this time? The obvious answer is that bankers believe rates will rise in the future. Getting you out of a fixed loan and into a variable one helps ensure profitability on your account.

These loans can be of value for people who want to save or invest the money they would have paid in principal, ... Unfortunately, the way the product has been pitched, borrowers have been encouraged to stretch their budget to buy more house.

There are a variety of methods by which bridge loans are made.

It certainly could cause a change to the marketplace, ... But you're trying to talk about whether the 14th card might fall when first one hasn't fallen yet.

In many markets, it's possible to borrow at prime or even a quarter to a half a percentage point below prime.

If you're making a pre-payment on your mortgage principal, ultimately you'll pay less interest,

Someone who will be out of their home within five years to seven years can save some money with an ARM. But you have to be aware of the reality that interest rates are likely to be somewhat to significantly higher in three years, five years, 10 years down the road from today.

You could go to almost any lender and for no fees find yourself with a decent rate.

[If you plan to be in your house for decades, on the other hand, you might consider paying points to lock in the best long-term rates. Points, which cost one-half of a percent to 1 percent of the loan and are paid up front, let you buy a better interest rate. ] If you pay points up front, it's harder to get your money back, ... When rates are high, borrowers have to pay points to trim rates any way they can, but with rates so low there is really no need to pay those points.

This is very popular right now because it lets you draw some money out of your home and improve cash flow. If you do this, resist the temptation to draw too much equity out of your home.

People are a little more realistic about their time frame, especially young folks,

Mortgage rates come down when fixed-income investors think the economy is slowing, not because the Fed cuts rates.

If it costs them more, it'll cost you more.

For some people a home equity line of credit is a brand new shovel for digging themselves further into debt.

Lenders are allowing people reasonably unfettered access to their equity.

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