looking to refinance my mortgage

 · Refinancing your mortgage can help you achieve a variety of financial goals. The key is to choose the best lender for the job. Check out our top picks.. For example, if you’re looking for a government-backed refinance that has lower credit requirements than a conventional loan, look for a lender offering FHA refinance loans.

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If you are looking to refinance your mortgage, lenders now need to verify everything about you, according to Pegg. Typically, you will need two months of bank statements, your W-2 for the past two.

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Your Mortgage Refinancing Checklist: Ready to Refi? 02/08/2017 Kristin Demshki . REFINANCE LOAN PROCESS.. When you refinance your mortgage, your lender “pays off” your existing mortgage.. there’s another option called a Streamline Refinancing for government-backed loans that may be what you’re looking for. A Streamlined Refi is.

Refinancing your mortgage can be a powerful way to save tens of thousands of dollars over many years. It’s not always the smart thing for you to do, though. Learn when and why you might refinance.

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When you LTV is greater than 80%, you’ll have to pay private mortgage insurance (PMI) too. An FHA Simple Refinance allows an LTV of up to 97.75%. When you refinance your home with poor or bad credit, you’re not going to qualify for the best terms and conditions. So, if you’re looking to refinance to get a lower interest rate and your credit is poor, want to calculate if a particular.

Refinancing your mortgage could serve any of the four purposes: Lowering your interest rate;. When you first apply for a loan, give your best guess as to your home’s value. A good starting point for determining your home’s value is by looking at your most recent tax assessment. Or you can.

When you refinance a mortgage, you replace your current mortgage with a new mortgage loan. The main reason you would do this is to get a better interest rate that will save you thousands of dollars over the course of your loan, or switch from a variable rate loan into a fixed rate loan.

Are you looking to refinance your mortgage but want to avoid all the paperwork that comes with it? Most mortgages require you to provide two years of tax returns and W-2s, 30 days of pay stubs and at.