Death and taxes – two things you know are for certain in life. However, there is a third that is almost nearly as certain as those two – fluctuating interest rates. With a home mortgage being one of the largest purchases you will ever make, even the slightest decrease in the rate that you pay on the loan can save you thousands. For many of you, now may be the perfect time to refinance your mortgage and put thousands of dollars back into your pocket.
In the past decade the mortgage industry has become a highly competitive field. With recent events in both the mortgage industry and the U.S. economy, rates are changing rapidly. For many of us, we may be paying for more than we should on our mortgage and not even realize it. Indeed, many people never think about their mortgage over their years – a mistake that can cost them serious money. They just sign the papers and pay the monthly payment. However, during the 20-40 years that mortgage runs, interest rates will rise and fall – and the smart consumer knows to take advantage of these fluctuations.
Maybe you are thinking that it is too much hassle to refinance and not worth the time. ...
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