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How to Calculate the Costs of Refinancing Your Home
How to Get a Debt Consolidation Loan
How to Calculate Your Debt-to-Income Ratio
How to Buy Nothing
How to Remove a Defaulted Student Loan From a Credit Report
How to Borrow Money Quickly
How to Start a Credit Repair Business
How to Get a Bad-Credit Personal Loan
How to Get a No-Credit-Check Personal Loan
How to Refinance a Car Loan
How to Get Out of a Car Loan
How to Get a Car Loan With Bad Credit
Improving Your Credit Report
Teaching Debits & Credits
Financing a Car With Bad Credit
Will a Collection Agency Sue Me?
How Does Home Refinancing Work?
How Does Auto Refinancing Work?
How to Get a Capital One Credit Card Application
How to Get an Auto Loan With No Credit
How to Get a Good Car With Bad Credit
How to Calculate Credit Card Interest & Payments
How to Establish a Separate Business Credit
Becoming a Credit Counselor
Problems With Credit Card Balance Transfers
Pros & Cons of Home Equity Lines of Credit
When to Refinance
In order to refinance a home after bankruptcy, most lenders want to see a minimum of 24 months since the d… More
Do you need to reduce your mortgage payments? Is your interest-only or adjustable rate mortgage about to c… More
The most primary reason to refinance is that the mortgage payment under the new mortgage would have a lowe… More
The best time to refinance is when considering consolidating an existing debt or after credit has been cle… More
Refinance an automobile when the interest rates are at least 2 percent lower than what is currently being … More
Deciding whether to refinance a mortgage can be a difficult and confusing process. In addition to the many… More
Refinancing student loans right after graduation is an important step to getting a better interest rate, a… More
Auto loan interest rates fluctuate almost as much as the weather; one week they're at an all-time high, wh… More
Erasing bankruptcy is a misconception because the Fair Credit Reporting Act declares what is acceptable fo… More
Getting a bankruptcy off a credit report is an impossible task due to the fact that the Fair Credit Report… More
People who have filed for bankruptcy are eligible for FHA financing two years after their bankruptcy case … More
The number of homes that have been foreclosed in the last two years is breathtaking. In addition, the numb… More
To get a loan after filing bankruptcy, be upfront about the bankruptcy and demonstrate a stable income and… More
When filing for bankruptcy, the law provides for an automatic stay, which is essentially an injunction iss… More
The process of refinancing a house is straightforward. However, motivations for refinancing vary. Refinanc… More
Summary: The best time to refinance is when considering consolidating an existing debt or after credit has been cleaned up. Discover when to refinance on a home or car with tips from a financial consultant in this free video on credit cards and personal finance.
Carrie Kukuda has a business administration degree, and was branch manager of a community bank. Kukuda owns a consulting business for one-on-one credit education & budget/debt...read more
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"Thinking about refinancing, but don't know what to do. Hi, I'm Carrie Kukuda, the Someday Coach, and I'm going to give you some ideas of when you might want to consider to refinance. If, say, you went out and you cleaned up your credit, you want to definitely go and look for a lower interest rate. You can save thousands and thousands of dollars, and that would include both your auto and home loans, so if you're thinking about refinancing, don't just think of it in a home term. Look at the auto loan as well. Wherever you can save is a good thing. You also can look at refinancing is when you're trying to consolidate existing debt -- if you need to rollover some of that into one payment, it might be the time to refinance on your home. Just make sure that you keep in mind that you need to be in the home longer -- that you're planning on staying in your home longer -- because you want to recap some of that money that you spent and actually take advantage of the savings. And another thing is, is where it's maybe dropping. So when rates drop and you're looking at, you know, considering refinancing -- say, you have a seven percent and the rates are at five...and...five and a half, there's a good time and an indication that you might want to consider looking into refinancing. As well as if you have an adjustable rate. An adjustable rate can fluctuate. If you're sick of the fluctuation...the fluctuating of that and you want it more secured, know what your payments are, then you can take that adjustable rate and make it a fixed rate refinance loan. Just some little tips to help you when...to know when to refinance. Again, I'm Carrie, and thank you."
eHow Article: When to Refinance
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