Mortgage rates have recently fallen to record lows and have dipped below 3% for the first time in 50 years. Many consumers are taking advantage by purchasing a home or refinancing their existing mortgage. Refinancing can be a great way to lower your monthly bill or even take years off your payoff period. Here are 6 things you need to consider before refinancing your mortgage....
A mortgage is far and away the most common way to finance a home. By definition, a mortgage is a security instrument where the borrower pledges property to a lender as collateral for the debt. The way in which you secure that loan and subsequently pay it back is dictated by the type of mortgage you have. There are countless types of mortgages available and...
A pre-approval letter from the bank is not the same thing as how much house you can afford. As pharmacists we are lucky to make great salaries right out of school. However, this dramatic increase in income can fool us into thinking we can take on a lot more debt than we probably should. Hopefully the illustration below can help you set your own budget...
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