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luisp84 | I bought my house in aug 06 after that property value started going down. when is the best time to refinance? |
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Gem
 |
Have property values stabilized in your area? I doubt it, the biggest losses have occured in the past 3 months.
Did you put 20% down in cash? Or finance the whole boat? If you put down the 20%, the time might be right after the next federal reserve meeting as they are going to lower the rate by at least a quarter point.
Is your job secure, no really, is it? Or is your boss freaking out because he is on the verge of financial ruin? Are customers beating down your doors, or do you spend a lot of time playing solitaire? If your job is not secure (like you do not work for a government union) and you can get a better rate ( or fixed, don't put yourself into the same situation most Americans have) and you plan on being in your house for 5 + years, now may be the right time.
We can't answer this for you because we don't have the facts, go sit down with a couple banks and find out what you can get and what it will cost you. Then decide. |
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Tim E
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Why do you want to refinacne? Rates are about the same right now as to where they were a year ago. Chances are if you were in a down housing market in your area a year ago, than your house is worth less than it was a t the time of your purchase. Without knowing all the facts, refinanceing probally is not a good option for you. Look into a Home Equity Line. |
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Landlord
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They are continuing to decline. So, either right now or wait another 5 years or so. Of course the interest rate will be going up when the dems take the white house, so you are going to need to avoid that period for doing much financially. |
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doane_nut
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When the value is up and the interest rates are down. Generally only when you can get an interest rate about 2 points lower than your existing loan. |
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bostonianinmo
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If the value is below what you currently owe you probably won't be able to refinance. If you could, the rate would probably be higher than what you're paying now. Sorry, but that's the cold, hard fact in a declining market. |
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Dr. Deth
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your house is probably worth less than when you bought it and you probably haven't even paid down 1% of the mortgage yet - you probably can't refinance until you build up some equity in he property |
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godged
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Most likely, it is not in your best interest to refinance now. If you are paying a high interest rate because of sketchy credit and now your credit is significantly improved, it might make sense. Your property value is probably the same or slightly lower than it was a year ago. And you will pay thousands in closing costs to refinance.
You will have to look at the costs to refinance versus how long it will take to recoup that money with any payment savings to see if it makes sense. |
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snowtosunshine
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Most people try to refinance while mortgage interest rates are low, mostly when rates are about two percentage points below their existing home loans. Other factors will depend on how long you plan to hold on to your home and whether you have to pay substantial fees to refinance. If you are going to own your home for at least another five years, that is probably long enough to recoup any refinancing costs and achieve real savings as a result of lowering your monthly payment. |
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Alvin
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Hi,
Checkout http://homefunding.consumerplanet.info for some useful info and tips related to your query. Good luck! |
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