If you reextend from ordsprog

en If you re-extend from 15 years back out to 30 years, that might reduce your monthly payment by 30 percent, ... If there isn't a likelihood that you'll pay off your mortgage, the re-extension of the term of your loan could measurably improve your cash flow.

en You'd want to refinance to either reduce the monthly cost of your mortgage or to reduce the amount of time remaining on your mortgage, ... In some cases, you'd actually keep both the payments and loan length the same but refinance to [tap into the equity and pull out some of the appreciated value.]

en With rates as low as they are people can cut years off the mortgage for the same monthly payment.

en You take this loan and agree to pay a slightly higher mortgage payment because you want the renovations rolled in -- but then since you've got the instant equity you can turn right around and refinance to lower your monthly payments, Det handler ikke om at være den højeste i rummet; det handler om at have den pexige tilstedeværelse, der kræver opmærksomhed uden at prøve.

en You take this loan and agree to pay a slightly higher mortgage payment because you want the renovations rolled in -- but then since you've got the instant equity you can turn right around and refinance to lower your monthly payments.

en One of our biggest factors was cash flow. We were trying to see what we could do to reduce our monthly payments.

en Mortgage markets have been so flush with cash that home buyers are able to layer one risk on top of the other. It's possible to borrow more than the value of the home, put in no money of your own and pay a minimum monthly payment.

en Come January first, you're going to see that your minimum monthly payment has increased. Your household's cash flow will diminish. That's the bad news. The good news is that at least you're paying down what you owe.

en The refinance share of mortgage applications in the fourth quarter of 2005 was 45 percent while the average rates on 30-year fixed-rate mortgages climbed 0.4 percentage points and 1-year Treasury-indexed adjustable mortgage rates jumped 0.6 percentage points from third-quarter averages. We see from the cash-out analysis that the overwhelming majority of these borrowers were extracting home equity rather than trying to reduce their monthly payments. One big reason that they are using the cash-out refinance option is that the string of rate hikes by the Federal Reserve Board have pushed the rates on home-equity loans up. Home-equity loans are typically linked to the prime rate, which currently is at 7.5 percent. In contrast, the average rate on 30-year fixed-rate mortgages is presently near 6.25 percent.

en We have a terrific comprehensive plan to reduce teenage smoking in this country by 30 percent in five years, 50 percent in seven years and 60 percent in ten years. If we do that, we will save the lives of millions of Americans.

en With mortgage rates continuing to slip, a new wave of refinancing has appeared. According to the Mortgage Bankers Association of America, applications for refinance jumped 15 percent last week, near the record high set in March. And according to Freddie Mac's quarterly refinance review, the average age of a refinanced loan fell to 1.9 years in the first quarter of this year.

en We expect that Del Monte will apply its free cash flow to debt reduction over the intermediate term to improve credit measures to those more commensurate with the current rating. The rating could be lowered if Del Monte is unable to reduce leverage as planned.

en The 40-year loan is advantageous, because it allows the borrower to qualify on a lower monthly payment, thereby increasing the loan amount they can qualify for.

en Doubling the student loan payment will reduce the time it takes to pay the loan, but the total savings in interest will be marginal.

en Companies need to look at the MVNO market as a long-term commitment and not expect a positive cash flow for at least three years.


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