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Mortgage Refinance

FHFA Adverse Market Refinance Fee Eliminated Aug 2021

The FHFA (Federal Housing Financing Agency) announced last month that effective August 1, 2021 it will be eliminating the 50 basis point Adverse Market Refinance Fee for refinance mortgage loans.  The FHFA notes that the fee imposed on lenders originally was designed to cover losses projected as a result of the COVID-19 pandemic.  However, the […]

Filed Under: Mortgage Refinance Tagged With: August 2021 Refinance Fee, Fannie Mae Refinance Fee, FHFA Adverse Market Refinance Fee, Is the FHFA Refinance Fee gone

New Conventional Refinance Fee Delayed Until December

Conventional Refinance Fee Delayed

Homeowners looking to refinance their conventional loan may be aware of a new refinancing fee to be imposed by the Federal Housing Finance Agency (FHFA).  This fee was set to start in September, but will now be delayed. This is good news and provides a window of opportunity for many homeowners who still want to […]

Filed Under: Economic News, Mortgage Refinance Tagged With: Fannie Mae Refinance charge, New Mortgage Refinance Fee, New Refinance Fee, When will new refinance fee start

Should You Roll Closing Costs Into Your Loan When Refinancing?

Spoiler alert: all mortgage loans have closing costs. But what about the so-called “no closing cost” loans? They too have closing costs it’s just a matter of who pays for them and how. Closing costs must be paid by someone. In different parts of the country, it may be customary for the seller to pay […]

Filed Under: Mortgage Refinance Tagged With: Adding Closing Costs To Refinance Mortgage, Can I add my closing costs to home loan, Refinance Rolling In Closing Costs

Good Time for a Debt Consolidation Loan?

Debt Mortgage

A debt consolidation loan pretty much says what it is- it’s a loan that consolidates outstanding debt. But why is now a good time to look into one? There are several reasons but mostly it’s about the current state of the interest rate environment. If you haven’t noticed, mortgage rates are near record lows. One […]

Filed Under: Mortgage Refinance Tagged With: Debt Consolidation Loan, Debt Consolidation Mortgage, Debt Consolidation Refinance

Difference Between Cash Out and Rate and Term Refinance

Mortgage companies have their fair share of loan terms for the different home refinance options. The most common are the cash-out refinance and rate and term. What are the differences between the two terms and why should it matter? Let’s take a closer look at refinancing and what makes one and what makes the other. […]

Filed Under: Mortgage Refinance Tagged With: Cash out or rate term, VA 100 cash out refinance, what is a cash out refinance

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CONTACT US

904-810-2293
redd@coast2coastlending.com
Coast 2 Coast Lending
93 King St
St. Augustine, FL 32084
Branch NMLS# 2047476

NMLS CORPORATE ID #1850
NMLS Consumer Access


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© 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

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