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Consumer Debt at Record High
The Federal Reserve's measure of consumer borrowing, which does not include any debt secured by real estate such as mortgages or home equity loans, stood at a record $2.558 trillion in March as consumers increased their borrowing at an annual rate of 7.2%,...
If interest rates fall below your current mortgage rate, refinancing
may be a great idea. The old idea that rates must be 2 full percentage points
below your existing loan is not true. A drop of as little as 1/2% could save
you thousands of dollars.
A variety of loan terms, no-point rate options
and lower closing cost loans have greatly decreased the rate difference needed
to make refinancing profitable.
We as consumers spend substantial amounts
of time trying to make our savings and investments earn more. One avenue which
is sometimes overlooked is seeing how much we can decrease our debt payments.
Since a mortgage is usually the largest debt we have, it pays to concentrate most
on reducing that payment first.
Carmel Mortgage
200 Clock Tower Place E-150
Carmel, CA 93923
Phone (831) 625-3939
Carmel Mortgage Refinances Monterey County and California - Learn about Monterey Refinance Programs, refi with Carmel Mortgage, the credible local mortgage company
Carmel Mortgage Vs. Your Bank - Carmel Mortgage helps people of Monterey County and all of California find the best home loan at the bes rate for their financing needs and goals. We do not push the most expensive loan like banks can.
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A variety of loan terms, no-point rate options
and lower closing cost loans have greatly decreased the rate difference needed
to make refinancing profitable.
