Saturday 28 March 2008

Mark Tiernan

WisePiggy.com Launches Mortgage Refinancing Quiz with Regard to Federal Reserve Cuts

(PRWEB) March 24, 2008 -- WisePiggy.com, a user's guide to smart personal finance, recently launched a new mortgage refinancing quiz, "Is It Time to Refinance Your Mortgage?", in response to recent Federal Reserve rate cuts (http://www.wisepiggy.com/refinance_quiz/). The quiz provides educational information on different types of home loans and smart mortgage solutions for homeowners looking to refinance. The current rate cuts may work to the advantage of some homeowners.

CNNmoney.com reports mortgage rates have fallen for the first time since February. Homeowners looking to refinance into fixed-rate mortgages can now find the lowest rates in more than a month. However, adjustable-rate mortgages continue to climb. The WisePiggy.com quiz can help users determine which type of home loan best suits their situation and helps answer their concerns with refinancing.

"The complications of mortgage refinancing can be overwhelming," WisePiggy.com spokesperson, Aurelie Guerrieri said. "We are hoping to provide users with an easy way to answer some of the concerns with refinancing."

The "Is It Time to Refinance Your Mortgage?" quiz (http://www.wisepiggy.com/refinance_quiz/) is designed to answer questions about refinancing decisions and ultimately suggests the most beneficial type of loan without asking too many personal, sensitive or complicated questions. Educational information on the types of home loans is also available to help users feel secure about their inquiries.

As mortgage rates continually change and the Fed continues to address the woes of the housing market, WisePiggy.com offers users refinancing solutions that will help to ensure smart personal finance decisions. To find out more, visit the "Is It Time to Refinance Your Mortgage?" quiz at www.WisePiggy.com/refinance_quiz.

WisePiggy.com is a unique resource that helps consumers navigate the overwhelming world of personal finance. We offer guidance for creating smart personal finance strategies in a continually changing market. WisePiggy.com utilizes financial experts, our own industry knowledge, and thorough analysis to offer fast and reliable recommendations tailored to each user's financial situation. WisePiggy.com features simple, stress-free quizzes - providing financial advice and explanations required to make informed decisions about money management.

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Tuesday 03 December 2007

Mark Tiernan,Mortgage

Mortgage – What, Why, When, and How?

What is a mortgage? Here's what The New Merriam – Webster Dictionary definition is: "a transfer of rights to a piece of property usu. as security for the payment of a loan or debt that becomes void when the debt is paid." That's as plain and simple as it gets, you pledge the property that you're buying to the lender until your home loan is paid off then the mortgage is released and you own the property free and clear. The term "Mortgage Loan" usually pertains to the loan used to purchase a home.

Why and when would you need a mortgage loan? If you're going to enter into a real estate purchase transaction (land, residence, or commercial) and you don't have the funds available then chances are you'll need a mortgage loan. In times when mortgage rates are low and return on your investments are high; you might consider a mortgage loan to pull the equity from your home to invest. If you're paying a higher mortgage rate than what's available on the market you might consider using a new mortgage loan to pay off your old mortgage loan therefore lowering the amount of time to pay off your home or lower your monthly mortgage payment. Maybe you need to take cash out of your home for reasons that are nobody else's business a new mortgage loan would be a great tool for accomplishing this.

How do you obtain a mortgage loan? This used to be a relatively difficult process but with today's technology is has become a pretty simple process. First find a mortgage consultant or lender that you're comfortable with (you might need to talk to two or three); that particular individual should be able to step you through the process of obtaining a mortgage loan without to much difficulty. The most difficult part of this is finding the type of mortgage loan that makes sense to you as there are several types available, read the fine print and make sure the mortgage loan you pick is right for your wants and needs.

Author Marc Sisk; Marc has been originating all types of mortgage loans since 1998. His web site's title is Mortgage Calculator | Refinancing Home Loan | Mortgage Lender. By being an affiliate branch of a large mortgage lender Marc is able to originate mortgage loans in most of the United States, visit his web page to see if we're licensed in your state.

This article may be reprinted or reused please email me a link to the posted page of this article.

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