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<title>Louie Latour - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Louie_Latour</link>
<pubDate>Wed, 15 Feb 2012 02:54:34 -0600</pubDate>
<image><title>Louie Latour - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Louie_Latour</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Louie Latour is a mortgage blogger that specializes in showing in showing you how to refinance your home loan without overpaying. The refinancing techniques in his free Underground Mortgage Videos save the average homeowner $1,000 per year. You don't have to be a financial "guru" to get a superb deal on your next home loan. Register for instant online access to these Underground Mortgage Videos without downloading anything to your PC at RefiAdvisor.com today.]]></description>
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<item>
<title>Mortgage Refinancing Without Paying Too Much</title>
<link>http://EzineArticles.com/2413398</link>
<guid>http://EzineArticles.com/2413398</guid>
<pubDate>Wed, 03 Jun 2009 15:15:58 -0500</pubDate>
<description><![CDATA[If you're considering refinancing your home mortgage loan there are a number of fees and markup that result in paying too much.  If you want the best possible interest rate and lowest monthly payment you'll need to avoid paying these junk fees. Here are several tips to help you avoid overpaying when refinancing your home loan.]]></description>
</item>
<item>
<title>Should I Refinance My Mortgage?</title>
<link>http://EzineArticles.com/2405179</link>
<guid>http://EzineArticles.com/2405179</guid>
<pubDate>Tue, 02 Jun 2009 14:03:11 -0500</pubDate>
<description><![CDATA[Are you in the market for a new mortgage loan but are unsure if mortgage refinancing is right for you?  There is a great deal of bad advice available on the Internet that could cost you a lot of money when it comes to your home loan.  Here are several tips to help you answer the question "Should I Refinance My Mortgage" while avoiding junk fees when you take out a new home loan.]]></description>
</item>
<item>
<title>Refinance Mortgage Rates Online</title>
<link>http://EzineArticles.com/2388575</link>
<guid>http://EzineArticles.com/2388575</guid>
<pubDate>Fri, 29 May 2009 15:00:50 -0500</pubDate>
<description><![CDATA[If you're in the process of refinancing your home mortgage loan there are several things you need to know about the mortgage rate quotes you receive. Nearly all mortgage quotes have markup built into them to give the person arranging your loan a commission. If you want the lowest possible mortgage rate and payment amount you must avoid this commission based markup of your loan. Here are several tips to help you find the lowest possible refinance mortgage rates.]]></description>
</item>
<item>
<title>Refinance Mortgage Rates - You Don't Have to Be a Financial Guru to Get an Awesome Deal</title>
<link>http://EzineArticles.com/2391349</link>
<guid>http://EzineArticles.com/2391349</guid>
<pubDate>Thu, 28 May 2009 16:19:41 -0500</pubDate>
<description><![CDATA[Are you considering refinancing your home mortgage loan this year?  If you're like many homeowners you use the Internet to research loan offers and collect mortgage rate quotes.  Did you know there is hidden markup lurking in every mortgage rate you collect online and from your local mortgage broker?  This markup of your mortgage rate is for a commission and can result in overpaying thousands of dollars every year that you keep the loan.  Here are several tips to help those sweet refinance mortgage rates you found online from turning into a sour lemon of a home loan mistake.]]></description>
</item>
<item>
<title>Home Loan Refinancing Rates What You Should Know</title>
<link>http://EzineArticles.com/2227552</link>
<guid>http://EzineArticles.com/2227552</guid>
<pubDate>Fri, 17 Apr 2009 09:42:31 -0500</pubDate>
<description><![CDATA[Are you thinking about refinancing your mortgage loan this year?  A new home loan can save you a lot of money if you set about it the right way.  Do you know the mortgage rate you have on your loan  now was marked up by the person arranging your loan for a kick back? Here are several tips to help you avoid overpaying for your next mortgage loan.]]></description>
</item>
<item>
<title>Mortgage Refinancing Secrets Exposed</title>
<link>http://EzineArticles.com/1494219</link>
<guid>http://EzineArticles.com/1494219</guid>
<pubDate>Mon, 22 Sep 2008 09:44:30 -0500</pubDate>
<description><![CDATA[No one wants to get ripped off when it comes to any purchase, and your mortgage loan is no exception.  The problem is that very few homeowners understand how mortgage loans work and wind up overpaying thousands of dollars. Here are several "industry secrets" to help you avoid paying too much when refinancing your home mortgage loan.]]></description>
</item>
<item>
<title>Yield Spread Premium Could Cost You Thousands When Refinancing Your Mortgage</title>
<link>http://EzineArticles.com/909332</link>
<guid>http://EzineArticles.com/909332</guid>
<pubDate>Fri, 04 Jan 2008 09:28:46 -0600</pubDate>
<description><![CDATA[If you're in the process of refinancing your home mortgage there is a hidden fee you need to be aware of.  According to the Secretary of Housing and Urban Development this mortgage scam is responsible for American homeowners overpaying nearly sixteen billion dollars for their home loans this year alone.  Here are several tips to help you avoid paying for Yield Spread Premium when refinancing your home loan.]]></description>
</item>
<item>
<title>Mortgage Refinancing With an Upfront Mortgage Broker</title>
<link>http://EzineArticles.com/907259</link>
<guid>http://EzineArticles.com/907259</guid>
<pubDate>Thu, 03 Jan 2008 09:46:18 -0600</pubDate>
<description><![CDATA[Upfront Mortgage Brokers belong to the Upfront Mortgage Broker's Association and agree to conduct their businesses adhering to certain ethical and professional standards.  If you are in the process of refinancing your home loan finding a member of this association could help you avoid paying too much for your next mortgage loan.  Here are several tips to help you find an Upfront Mortgage Broker when refinancing your home loan.]]></description>
</item>
<item>
<title>Never Refinance Your Mortgage With a Bank</title>
<link>http://EzineArticles.com/897940</link>
<guid>http://EzineArticles.com/897940</guid>
<pubDate>Fri, 28 Dec 2007 11:39:54 -0600</pubDate>
<description><![CDATA[If you are in the process of refinancing your home mortgage and are considering your bank, there are several things you need to know before making an expensive mistake.  It may be true that mortgage brokers are known for overcharging for their services; however, banks are much worse due to loopholes in the legislation that protects homeowners from abusive mortgage lenders.  Here are several tips to help you avoid paying too much for next home loan.]]></description>
</item>
<item>
<title>Refinancing Your Mortgage During The Holidays</title>
<link>http://EzineArticles.com/855675</link>
<guid>http://EzineArticles.com/855675</guid>
<pubDate>Wed, 28 Nov 2007 15:02:41 -0600</pubDate>
<description><![CDATA[If you're thinking about refinancing this holiday season but aren't sure if this is the best time of year for a new mortgage loan, there are a number of things you should consider.  While the holidays tend to be a slow time for lenders, there are many good deals to be found for the savvy comparison shopper.  Here are several tips to help you decide if mortgage refinancing is right for you during this holiday season.]]></description>
</item>
<item>
<title>How to Refinance With a Wholesale Mortgage Lender</title>
<link>http://EzineArticles.com/743280</link>
<guid>http://EzineArticles.com/743280</guid>
<pubDate>Fri, 21 Sep 2007 09:18:11 -0500</pubDate>
<description><![CDATA[If you are considering mortgage refinancing and want the lowest possible interest rate, a wholesale lender could save you thousands of dollars.  Not many homeowners understand how the markets work and most end up paying retail mortgage rates for their homes.  By learning how wholesale rates work you can refinance without paying retail markup and save yourself thousands of dollars in unnecessary mortgage interest.  Here are several tips to help you qualify for wholesale mortgage interest rate when refinancing your loan.]]></description>
</item>
<item>
<title>How to Lower Your Mortgage Payment by Refinancing</title>
<link>http://EzineArticles.com/730174</link>
<guid>http://EzineArticles.com/730174</guid>
<pubDate>Fri, 14 Sep 2007 09:26:17 -0500</pubDate>
<description><![CDATA[As the US economy slows and many experts are predicting a recession, many homeowners are looking for ways of easing the strain on their monthly budgets.  Refinancing your mortgage to get a lower payment is an excellent way to free up cash in your budget with a lower payment if you go about it correctly.  Here are several tips to help you refinance your mortgage and get a lower monthly payment without paying too much in the process.]]></description>
</item>
<item>
<title>Knowing When to Refinance Your Mortgage</title>
<link>http://EzineArticles.com/705990</link>
<guid>http://EzineArticles.com/705990</guid>
<pubDate>Tue, 28 Aug 2007 09:09:27 -0500</pubDate>
<description><![CDATA[If you're considering a new mortgage for your home you might wonder if there is a best time to refinance.  The news is filled with reports about the credit crisis in the mortgage industry and you might ask if refinancing under the circumstances is even a smart move?  Here are several tips to help you decide if mortgage refinancing makes sense for your individual situation.]]></description>
</item>
<item>
<title>How to Find the Right Mortgage Broker When Refinancing Your Mortgage</title>
<link>http://EzineArticles.com/692686</link>
<guid>http://EzineArticles.com/692686</guid>
<pubDate>Mon, 20 Aug 2007 08:22:32 -0500</pubDate>
<description><![CDATA[Refinancing your mortgage with the right broker can mean the difference between getting a great mortgage and making a costly mistake.  Like used car salesman, your mortgage broker works for a commission; the loan that gives your broker the best commission is not the mortgage you want for your home.  Here are several tips to help you locate the right broker when refinancing your home mortgage loan.]]></description>
</item>
<item>
<title>Refinancing Mortgage Rate</title>
<link>http://EzineArticles.com/680584</link>
<guid>http://EzineArticles.com/680584</guid>
<pubDate>Wed, 08 Aug 2007 21:34:41 -0500</pubDate>
<description><![CDATA[Are you considering refinancing your mortgage loan?  If so, your refinancing mortgage rate is of primary concern when choosing a lender.  Most homeowners don't understand how the rate quotes they receive are marked up to give their mortgage broker a commission. Here are several tips to help you find the best mortgage rate when refinancing.]]></description>
</item>
<item>
<title>Mortgage Refinance Information</title>
<link>http://EzineArticles.com/678902</link>
<guid>http://EzineArticles.com/678902</guid>
<pubDate>Wed, 08 Aug 2007 08:44:59 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your mortgage you might find the process confusing and intimidating.  No one likes to overpay for their purchases and your home loan is no exception.  Here are several tips to help you refinance your mortgage without paying too much.]]></description>
</item>
<item>
<title>How To Refinance Your Home With A Wholesale Mortgage Rate</title>
<link>http://EzineArticles.com/678513</link>
<guid>http://EzineArticles.com/678513</guid>
<pubDate>Tue, 07 Aug 2007 14:51:08 -0500</pubDate>
<description><![CDATA[The mortgage industry's best kept secret is that your interest rate is marked up to give the person originating your mortgage a commission.  This markup of your mortgage rate is what makes mortgage loans retail.  Here are several tips to help refinance your mortgage with a wholesale interest rate.]]></description>
</item>
<item>
<title>How to Decide if Mortgage Refinancing Right For You</title>
<link>http://EzineArticles.com/677145</link>
<guid>http://EzineArticles.com/677145</guid>
<pubDate>Mon, 06 Aug 2007 15:30:33 -0500</pubDate>
<description><![CDATA[If you're a homeowner deciding if mortgage refinancing makes sense in your situation there are a number of factors you'll want to consider.  There are many valid reasons for refinancing your mortgage despite the so called "two percent rule."  Here are several tips to help you decide if mortgage refinancing is right for your individual situation.]]></description>
</item>
<item>
<title>Comparison Shopping for the Best Mortgage When Refinancing</title>
<link>http://EzineArticles.com/672005</link>
<guid>http://EzineArticles.com/672005</guid>
<pubDate>Fri, 03 Aug 2007 09:24:10 -0500</pubDate>
<description><![CDATA[If you're in the market for a new mortgage loan comparison shopping can help you find the best lender and save you thousands of dollars if you go about it correctly.  Many homeowners simply choose the mortgage with the lowest rate without paying attention to lender fees and markup.  Here are several tips for comparison shopping loan offers to help you find the perfect mortgage when refinancing.]]></description>
</item>
<item>
<title>Disadvantages of Refinancing With a Mortgage Broker</title>
<link>http://EzineArticles.com/668475</link>
<guid>http://EzineArticles.com/668475</guid>
<pubDate>Tue, 31 Jul 2007 16:05:50 -0500</pubDate>
<description><![CDATA[If you are considering refinancing your mortgage with a mortgage broker there are several disadvantages you need to be aware of to avoid overpaying.  Mortgage brokers are paid for their services by commission and the loan that gives your mortgage broker the largest commission is probably not the best mortgage for you.  Here are several tips to help you decide if mortgage refinancing with a broker is right for you.]]></description>
</item>
<item>
<title>You Can Refinance Your Mortgage With a Wholesale Interest Rate</title>
<link>http://EzineArticles.com/667202</link>
<guid>http://EzineArticles.com/667202</guid>
<pubDate>Tue, 31 Jul 2007 08:56:10 -0500</pubDate>
<description><![CDATA[Most homeowners don't know that the interest rate quotes they get when refinancing are all "retail" interest rates.  The mortgage rate your broker quotes you includes markup for their commission; homeowners who learn to recognize this markup can refinance with a wholesale mortgage rate.  Here are several tips to help you refinance with the perfect mortgage loan.]]></description>
</item>
<item>
<title>Comparison Shopping Mortgage Lenders When Mortgage Refinancing</title>
<link>http://EzineArticles.com/667063</link>
<guid>http://EzineArticles.com/667063</guid>
<pubDate>Mon, 30 Jul 2007 16:21:43 -0500</pubDate>
<description><![CDATA[Choosing the right lender when refinancing will help you avoid spending too much for your mortgage.  Many homeowners focus entirely on what their new payment amount will be when refinancing and overlook closing costs and interest rate markup.  Here are several tips to help you avoid paying too much when refinancing your mortgage.]]></description>
</item>
<item>
<title>How to Refinance Your Mortgage Without Paying Too Much</title>
<link>http://EzineArticles.com/664015</link>
<guid>http://EzineArticles.com/664015</guid>
<pubDate>Fri, 27 Jul 2007 23:27:15 -0500</pubDate>
<description><![CDATA[Mortgage refinancing can save you money if you get a better deal on the new loan.  There are a number of expensive pitfalls you need to avoid that can result in overpaying thousands of dollars when refinancing.  Here are several tips to help you avoid paying too much when refinancing your mortgage.]]></description>
</item>
<item>
<title>Don't Get Burned by Online Mortgage Quotes When Refinancing</title>
<link>http://EzineArticles.com/662538</link>
<guid>http://EzineArticles.com/662538</guid>
<pubDate>Thu, 26 Jul 2007 23:14:13 -0500</pubDate>
<description><![CDATA[The Internet can be an excellent resource for refinancing your mortgage.  There are a number of pitfalls you'll need to avoid when refinancing online including lender junk fees.  Here are several tips to help you avoid overpaying when refinancing with an online mortgage quote.]]></description>
</item>
<item>
<title>How to Comparison Shop Interest Rates When Refinancing Your Mortgage</title>
<link>http://EzineArticles.com/652578</link>
<guid>http://EzineArticles.com/652578</guid>
<pubDate>Thu, 19 Jul 2007 17:05:08 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your mortgage comparison shopping can save you thousands of dollars if you go about it the right way.  Most homeowners don't realize that mortgage refinancing is very similar to buying a used car- if you find out the blue book value of the car before going to the dealer, you'll be in a much better place to negotiate.  The same is true with mortgage rates. When you find out the current interest rate you can negotiate for a wholesale mortgage rate.  Here are several tips to help you negotiate for a wholesale interest rate when refinancing.]]></description>
</item>
<item>
<title>Mortgage Refinancing Without Overpaying</title>
<link>http://EzineArticles.com/649498</link>
<guid>http://EzineArticles.com/649498</guid>
<pubDate>Wed, 18 Jul 2007 08:40:36 -0500</pubDate>
<description><![CDATA[If you're considering refinancing your home mortgage there are steps you can take to avoid overpaying for the new loan. Many homeowners don't realize that their interest rate has been marked up to give the loan originator a bonus and according to the Secretary of Housing and Urban Development, this markup will cost homeowners in the United States nearly sixteen billion dollars this year alone.  Here are several tips to help you avoid the unnecessary markup of your mortgage interest rate.]]></description>
</item>
<item>
<title>How to Calculate the Break Even Period When Refinancing Your Mortgage</title>
<link>http://EzineArticles.com/647569</link>
<guid>http://EzineArticles.com/647569</guid>
<pubDate>Mon, 16 Jul 2007 16:55:37 -0500</pubDate>
<description><![CDATA[To save money when refinancing your mortgage it is helpful to know when your break-even period ends.  This "break even period" when mortgage refinancing is the amount of time it takes to recoup your expenses from taking out the new loan.  As a rule of thumb, the lower your new mortgage rate is compared to the old one, the shorter your break even period will be when refinancing.  ]]></description>
</item>
<item>
<title>How To Lower Your Payment When Refinancing Your Mortgage</title>
<link>http://EzineArticles.com/643012</link>
<guid>http://EzineArticles.com/643012</guid>
<pubDate>Fri, 13 Jul 2007 08:10:50 -0500</pubDate>
<description><![CDATA[If you are in the market for a new mortgage loan because you need a lower monthly payment, there are several ways to accomplish this.  Even if your credit prevents your from qualifying for a lower mortgage rate there are ways to lower your payment amount when refinancing.  Here are several tips to help you get a lower mortgage paying without paying lender junk fees.]]></description>
</item>
<item>
<title>Mortgage Refinancing Online</title>
<link>http://EzineArticles.com/639951</link>
<guid>http://EzineArticles.com/639951</guid>
<pubDate>Wed, 11 Jul 2007 11:33:05 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your mortgage on the Internet, there are several things you need to know about online mortgage companies before applying.  The Internet is an excellent tool that can save you money; however, hidden fees and markup of your mortgage interest rate could result in paying too much when refinancing.  Here are several tips to help you avoid these expensive pitfalls when refinancing your mortgage online.]]></description>
</item>
<item>
<title>Why You Should Never Refinance Your Mortgage With a Bank</title>
<link>http://EzineArticles.com/638421</link>
<guid>http://EzineArticles.com/638421</guid>
<pubDate>Tue, 10 Jul 2007 09:36:25 -0500</pubDate>
<description><![CDATA[If you're considering refinancing your home mortgage with your bank there are several things you need to know to avoid overpaying.  Bank mortgage loans may be a convenient way to refinance, however, there's a lot your bank isn't telling you about your mortgage interest rate.  Here are several tips to help you avoid the costly mistake of refinancing your mortgage with a bank.]]></description>
</item>
<item>
<title>Mortgage Refinancing 101</title>
<link>http://EzineArticles.com/635361</link>
<guid>http://EzineArticles.com/635361</guid>
<pubDate>Mon, 09 Jul 2007 10:22:53 -0500</pubDate>
<description><![CDATA[Learning the basics when refinancing your mortgage can save you thousands of dollars by helping you avoid common pitfalls.  Understanding mortgage refinancing means learning loan terminology and how your loan originator makes their money.  Here are several tips to help get you started on the right foot when refinancing your mortgage.]]></description>
</item>
<item>
<title>How to Get the Best Deal when Mortgage Refinancing</title>
<link>http://EzineArticles.com/634030</link>
<guid>http://EzineArticles.com/634030</guid>
<pubDate>Fri, 06 Jul 2007 11:09:20 -0500</pubDate>
<description><![CDATA[Many people will tell you the way to get the best deal when refinancing your mortgage is to comparison shop until you drop.  While this is good advice many homeowners don't know how to comparison for wholesale mortgage rates.  Here are several tips to help you get the best deal when refinancing your mortgage with a wholesale interest rate.]]></description>
</item>
<item>
<title>How to Find the Best Lender When Mortgage Refinancing</title>
<link>http://EzineArticles.com/629673</link>
<guid>http://EzineArticles.com/629673</guid>
<pubDate>Tue, 03 Jul 2007 11:37:10 -0500</pubDate>
<description><![CDATA[Most homeowners collect half a dozen mortgage quotes, pick the one with lowest interest rate, and walk away thinking they've got a good deal when refinancing.  The problem with this approach is that you are simply getting the best of the worst retail loans available.  Here are several tips to help you refinance your mortgage with the lowest wholesale rate possible.]]></description>
</item>
<item>
<title>Three Mortgage Broker Tricks to Avoid when Refinancing</title>
<link>http://EzineArticles.com/627012</link>
<guid>http://EzineArticles.com/627012</guid>
<pubDate>Mon, 02 Jul 2007 12:06:53 -0500</pubDate>
<description><![CDATA[In addition to the origination fee you pay, brokers receive a commission from the wholesale lender for padding your loan.  Mortgage brokers have a bag of tricks for boosting their commission at your expense. Here are several tips to help you recognize when your mortgage broker is taking advantage of you when refinancing your mortgage.]]></description>
</item>
<item>
<title>Understanding Mortgage Rate Quotes When Refinancing</title>
<link>http://EzineArticles.com/622874</link>
<guid>http://EzineArticles.com/622874</guid>
<pubDate>Wed, 27 Jun 2007 09:09:19 -0500</pubDate>
<description><![CDATA[If you're in the process of refinancing your home mortgage, comparing rate quotes when shopping for a new loan can save you a lot of money.  The problem for most homeowners is that they don't know what they're looking at when comparing quotes.  Here are several tips to help you compare mortgage quotes and find the perfect mortgage when refinancing.]]></description>
</item>
<item>
<title>How to Refinance Your Mortgage with Wholesale Interest Rates</title>
<link>http://EzineArticles.com/620812</link>
<guid>http://EzineArticles.com/620812</guid>
<pubDate>Mon, 25 Jun 2007 16:21:46 -0500</pubDate>
<description><![CDATA[If you're a homeowner in the market for mortgage refinancing, a new loan with a lowest interest rate will save you money.  Did you know mortgage loans are retail products just like home appliances?  Most homeowners collect rate quotes from several different mortgage companies and pick the offer with the lowest interest rate.  The problem with this approach is that all of these rate quotes include retail markup so they are simply choosing the best of the worst loan offers available to them.  Here are several tips to help you find a wholesale mortgage rate when refinancing your home.]]></description>
</item>
<item>
<title>Mortgage Refinancing and the Annual Percentage Rate</title>
<link>http://EzineArticles.com/611943</link>
<guid>http://EzineArticles.com/611943</guid>
<pubDate>Tue, 19 Jun 2007 09:32:54 -0500</pubDate>
<description><![CDATA[If you are comparison shopping for a new mortgage the number of choices can seem overwhelming.  How do you compare loan offers when determining which is the better deal?  Does the Annual Percentage rate give you enough information to make an informed decision when refinancing your mortgage?  Here are several tips to help you comparison shop without overpaying when refinancing your home loan.]]></description>
</item>
<item>
<title>No Closing Cost Mortgage Refinancing is Just a Gimmick</title>
<link>http://EzineArticles.com/611662</link>
<guid>http://EzineArticles.com/611662</guid>
<pubDate>Mon, 18 Jun 2007 15:37:19 -0500</pubDate>
<description><![CDATA[If you're in the market to refinance your mortgage you'll find several national banks and mortgage companies bragging about their "no cost" mortgage loans.  Are these loans truly "no cost" or are there really no free lunches when it comes to mortgage loans?  Here are several tips to help you avoid overpaying when refinancing your home loan.]]></description>
</item>
<item>
<title>Refinancing Your Home Loan With a Mortgage Broker</title>
<link>http://EzineArticles.com/608260</link>
<guid>http://EzineArticles.com/608260</guid>
<pubDate>Fri, 15 Jun 2007 13:27:35 -0500</pubDate>
<description><![CDATA[Mortgage brokers can be excellent resources for securing a new mortgage loan especially if you have an unusual financial situation or poor credit.  Most mortgage brokers are more concerned with pulling down a six figure salary than they are with helping you find the right mortgage loan; unsuspecting homeowners can overpay thousands of dollars working with the wrong mortgage broker.  Here are several tips to help you find the right kind of broker when mortgage refinancing.]]></description>
</item>
<item>
<title>Is It Time to Refinance Your Adjustable Rate Mortgage?</title>
<link>http://EzineArticles.com/603883</link>
<guid>http://EzineArticles.com/603883</guid>
<pubDate>Wed, 13 Jun 2007 08:00:31 -0500</pubDate>
<description><![CDATA[If you purchased your home with an Adjustable Rate mortgage and your loan is scheduled to reset soon you might consider refinancing.   Many homeowners with Adjustable Rate Mortgages are concerned about the possibility of payment shock when the lender adjusts their interest rate.  Here are several tips to help you decide if mortgage refinancing is right for you.]]></description>
</item>
<item>
<title>How to Get a Wholesale Mortgage Rate When Refinancing Your Home Loan</title>
<link>http://EzineArticles.com/601845</link>
<guid>http://EzineArticles.com/601845</guid>
<pubDate>Mon, 11 Jun 2007 14:05:59 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your home mortgage qualifying for the lowest mortgage rate will save you a lot of money.  Did you know that mortgage loans are sold as retail products just like your kitchen appliances?  If you accept retail interest rates when refinancing your loan you could overpay thousands of dollars every month you keep the loan.  Here are the basics you need to know about mortgage interest rates before refinancing your home loan.]]></description>
</item>
<item>
<title>The Evils of Bank Originated Mortgage Loans</title>
<link>http://EzineArticles.com/592680</link>
<guid>http://EzineArticles.com/592680</guid>
<pubDate>Tue, 05 Jun 2007 08:07:45 -0500</pubDate>
<description><![CDATA[If you are considering refinancing your home mortgage with your bank you might want to reconsider.  While refinancing with your bank might be convenient, you will pay too much for the new loan.  Here are several facts about bank originated mortgages you need to know before refinancing.]]></description>
</item>
<item>
<title>Comparison Shopping When Mortgage Refinancing Will Not Help You</title>
<link>http://EzineArticles.com/588899</link>
<guid>http://EzineArticles.com/588899</guid>
<pubDate>Fri, 01 Jun 2007 13:04:03 -0500</pubDate>
<description><![CDATA[People love to tell you "You have to comparison shop till you drop" when mortgage refinancing to get a good deal.  Most homeowners that do this simply end up with the best of the worst mortgage offers available.  The reason for this is that no amount of comparison shopping will keep you from a retail mortgage rate.  The only way to get a wholesale mortgage rate is to negotiate with prospective mortgage companies to avoid paying Yield Spread Premium.  Here's what you really need to know about refinancing your mortgage if you want to save money.]]></description>
</item>
<item>
<title>Adjustable Rate Mortgage Refinancing Simplified</title>
<link>http://EzineArticles.com/585989</link>
<guid>http://EzineArticles.com/585989</guid>
<pubDate>Wed, 30 May 2007 16:15:29 -0500</pubDate>
<description><![CDATA[If you are refinancing your home loan and are considering an Adjustable Rate Mortgage there are a number of things that can go wrong.  Doing your homework before refinancing will help you recognize and avoid these pitfalls.  Here are several tips to help you avoid paying too much when refinancing with an Adjustable Rate Mortgage loan.]]></description>
</item>
<item>
<title>Theft by Mortgage Refinancing</title>
<link>http://EzineArticles.com/576761</link>
<guid>http://EzineArticles.com/576761</guid>
<pubDate>Wed, 23 May 2007 14:05:42 -0500</pubDate>
<description><![CDATA[If you are considering refinancing your home mortgage loan there are a number of pitfalls that can cost you thousands of dollars.  Mortgage companies routinely mark up your mortgage interest rate to boost their commission.  If you unknowingly agree to this markup you'll overpay every month you keep the loan.  Here are several tips to help you avoid being taken advantage of when mortgage refinancing.]]></description>
</item>
<item>
<title>Mortgage Refinancing Basics You Need to Know</title>
<link>http://EzineArticles.com/575429</link>
<guid>http://EzineArticles.com/575429</guid>
<pubDate>Wed, 23 May 2007 08:39:13 -0500</pubDate>
<description><![CDATA[Understanding the basics of the mortgage process is an excellent way to prepare when choosing the perfect mortgage.  The process of obtaining a new mortgage is complicated - however, the basics are easy enough for even the most inexperienced homeowner.  Here are several tips to get you on the right track when refinancing your mortgage.  ]]></description>
</item>
<item>
<title>Why You Should Compare Interest Rates When Mortgage Refinancing</title>
<link>http://EzineArticles.com/574994</link>
<guid>http://EzineArticles.com/574994</guid>
<pubDate>Tue, 22 May 2007 14:32:47 -0500</pubDate>
<description><![CDATA[If you are a homeowner with good credit and are refinancing your home with a conventional mortgage, the interest rate you receive along with the fees you pay should be your primary consideration when choosing a lender.  Many homeowners accept the first favorable loan offer they receive; however, you can save yourself a pile of cash by carefully comparison shopping and negotiating for the best mortgage rate.  Here are several tips to help you find the perfect mortgage when refinancing your home loan.]]></description>
</item>
<item>
<title>Mortgage Refinancing Can Give You a Lower Monthly Payment</title>
<link>http://EzineArticles.com/573411</link>
<guid>http://EzineArticles.com/573411</guid>
<pubDate>Mon, 21 May 2007 15:28:53 -0500</pubDate>
<description><![CDATA[If you are a homeowner in need of a lower mortgage payment, refinancing could help meet your financial needs.  There are however a number of pitfalls that result in overpaying and will prevent you from realizing any savings.  Here are several tips to help you avoid overpaying for your new loan when mortgage refinancing.]]></description>
</item>
<item>
<title>Mortgage Refinancing With An Interest Only Home Loan</title>
<link>http://EzineArticles.com/570537</link>
<guid>http://EzineArticles.com/570537</guid>
<pubDate>Mon, 21 May 2007 08:52:33 -0500</pubDate>
<description><![CDATA[Interest only mortgages have become extremely popular with homeowners needing the lowest possible payment.  There are risks associated with interest only mortgages - homeowners who fully understand what they're getting into can save themselves thousands.  Here are several tips to help you decide if refinancing with an interest only home loan is right for you.]]></description>
</item>
<item>
<title>Mortgage Refinancing With a Fixed Interest Rate Loan</title>
<link>http://EzineArticles.com/567590</link>
<guid>http://EzineArticles.com/567590</guid>
<pubDate>Thu, 17 May 2007 08:46:34 -0500</pubDate>
<description><![CDATA[If you have little tolerance for financial risk and are considering mortgage refinancing, choosing a fixed interest rate is usually the safest option.  Fixed rate home loans come with higher interest rates than their Adjustable Rate Mortgage counterparts; however, there are steps you can take to pay less when refinancing.  Here are several tips to help you qualify for the lowest mortgage rate when refinancing.]]></description>
</item>
<item>
<title>Comparison Shopping For The Perfect Mortgage When Refinancing</title>
<link>http://EzineArticles.com/566173</link>
<guid>http://EzineArticles.com/566173</guid>
<pubDate>Tue, 15 May 2007 15:55:24 -0500</pubDate>
<description><![CDATA[People will often tell you the secret to finding the perfect mortgage is to comparison shop until you drop.  While comparison shopping is important when mortgage refinancing, most homeowners simply end up with the best of the worst mortgage offers available.  Here are several tips to help you negotiate when comparison shopping and close with the best possible mortgage rate.]]></description>
</item>
<item>
<title>Never Refinance Your Mortgage Loan With a Bank</title>
<link>http://EzineArticles.com/566044</link>
<guid>http://EzineArticles.com/566044</guid>
<pubDate>Tue, 15 May 2007 14:57:22 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your mortgage loan you might be considering a bank loan to get the job done.  While it's true that bank mortgage loans are convenient, there are a number of compelling reasons for avoiding your bank all together.  Here are tips to help you avoid paying too much when refinancing your mortgage loan.]]></description>
</item>
<item>
<title>Mortgage Refinancing to Consolidate Bills</title>
<link>http://EzineArticles.com/564294</link>
<guid>http://EzineArticles.com/564294</guid>
<pubDate>Mon, 14 May 2007 14:12:19 -0500</pubDate>
<description><![CDATA[More and more homeowners are electing to refinance their mortgages with cash back for debt consolidation.  There are a number of advantages to paying off your bills when refinancing; however, taking out a new home loan to consolidate debt is not without risks.  Here are several tips to help you decide if refinancing to pay off your bills is the right choice for you.]]></description>
</item>
<item>
<title>Mortgage Refinancing With a Wholesale Interest Rate</title>
<link>http://EzineArticles.com/558366</link>
<guid>http://EzineArticles.com/558366</guid>
<pubDate>Wed, 09 May 2007 15:26:07 -0500</pubDate>
<description><![CDATA[Did you know it is possible to refinance your mortgage at wholesale interest rates?  Paying retail markup of your mortgage interest rate is completely unnecessary; however, most homeowners don't even question paying the higher mortgage rate.  Here are several tips to help you keep the mortgage rate you deserve when refinancing your home mortgage loan.]]></description>
</item>
<item>
<title>Mortgage Refinancing  - Comparison Shop Smartly And Save</title>
<link>http://EzineArticles.com/558224</link>
<guid>http://EzineArticles.com/558224</guid>
<pubDate>Wed, 09 May 2007 14:15:38 -0500</pubDate>
<description><![CDATA[Shopping for the best mortgage offer will help you find the best deal if you go about it correctly.  Many homeowners simply end up with the best of the worst mortgage loans because they don't negotiate for the interest rate they deserve. Mortgage loans are wholesale products and if you're not careful the "middleman" will markup up your interest rate - here are several tips to help you avoid paying retail markup when refinancing your home loan.]]></description>
</item>
<item>
<title>Mortgage Refinancing - Should You Trust a Mortgage Banker?</title>
<link>http://EzineArticles.com/555237</link>
<guid>http://EzineArticles.com/555237</guid>
<pubDate>Mon, 07 May 2007 16:24:06 -0500</pubDate>
<description><![CDATA[Many homeowners choose to refinance their mortgages with a bank as a matter of convenience.  While it's true that banks are convenient, they're not going to give you the best deal.  Here are several reasons why you should steer clear of your bank when refinancing your mortgage.]]></description>
</item>
<item>
<title>Cash Out Mortgage Refinancing Basics</title>
<link>http://EzineArticles.com/555447</link>
<guid>http://EzineArticles.com/555447</guid>
<pubDate>Mon, 07 May 2007 16:21:57 -0500</pubDate>
<description><![CDATA[Eliminating debt can be a difficult task for any homeowner.  Depending on the amount of debt you've accumulated it can take many years to pay off.  There are a number of debt elimination strategies that take advantage of the tax deductible nature of your home equity.  Here are several tips to help you decide if cash out mortgage refinancing is right for you.]]></description>
</item>
<item>
<title>California Refi</title>
<link>http://EzineArticles.com/555138</link>
<guid>http://EzineArticles.com/555138</guid>
<pubDate>Mon, 07 May 2007 14:44:10 -0500</pubDate>
<description><![CDATA[The high cost of homes in California can make refinancing your mortgage tricky.  California homeowners who unknowingly accept retail mortgage rates overpay thousands of dollars unnecessarily.  Here are several tips to help you close with mortgage rate you qualify and avoid unnecessary retail markup with your California refi.]]></description>
</item>
<item>
<title>Mortgage Refinancing Mistakes - What is Yield Spread Premium?</title>
<link>http://EzineArticles.com/552456</link>
<guid>http://EzineArticles.com/552456</guid>
<pubDate>Sun, 06 May 2007 18:17:05 -0500</pubDate>
<description><![CDATA[If you are a homeowner who is considering a new mortgage loan, refinancing can save you money if you avoid costly mistakes.  One such mistake is paying Yield Spread Premium, a mistake that will cost homeowners in the United States almost sixteen billion dollars this year alone.  Here are several tips recognize and avoid paying Yield Spread Premium when mortgage refinancing.]]></description>
</item>
<item>
<title>Mortgage Refinancing - How to Qualify for the Perfect Interest Rate</title>
<link>http://EzineArticles.com/552226</link>
<guid>http://EzineArticles.com/552226</guid>
<pubDate>Fri, 04 May 2007 14:57:33 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your home mortgage, the interest rate you receive is an important consideration when choosing a lender.  What you might not already know is the interest rate you've been quoted is not the mortgage rate you qualified.  Here are several tips to help you secure the mortgage rate you deserve and save thousands of dollars when mortgage refinancing. ]]></description>
</item>
<item>
<title>Refinancing Your Home Loan with a Mortgage Broker in California</title>
<link>http://EzineArticles.com/548104</link>
<guid>http://EzineArticles.com/548104</guid>
<pubDate>Tue, 01 May 2007 16:20:18 -0500</pubDate>
<description><![CDATA[If you are considering refinancing your home with a mortgage broker in California, there are several things you need to know to avoid overpaying.  Mortgage brokers are paid by commission and usually do not have your best interest at heart.  You can still save money refinancing your California mortgage with a broker; you simply need to know how to negotiate for the best deal.  Here are several tips to help save you money when refinancing your home loan with a California mortgage broker.]]></description>
</item>
<item>
<title>Refinance Home Mortgage Online - Beware Computerized Loan Origination Fees</title>
<link>http://EzineArticles.com/543999</link>
<guid>http://EzineArticles.com/543999</guid>
<pubDate>Fri, 27 Apr 2007 16:53:41 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your mortgage on the Internet, there are a number of garbage fees you need to avoid.  Computerized loan origination fees are among the worst; unknowingly agreeing to pay this fee can cost you as much as $1,300 for no reason.  Here are several tips to help you avoid garbage fees when refinancing your mortgage online.]]></description>
</item>
<item>
<title>Refinance Mortgage Basics - Terminology You Need to Know</title>
<link>http://EzineArticles.com/539673</link>
<guid>http://EzineArticles.com/539673</guid>
<pubDate>Tue, 24 Apr 2007 16:26:47 -0500</pubDate>
<description><![CDATA[If you're in the market to refinance your home mortgage loan, learning the lingo can boost your confidence and prevent loan officers from taking advantage of you.  Learning mortgage terminology is a lot like eating your spinach; however, here are basic terms you need to learn before shopping for a new home loan.  ]]></description>
</item>
<item>
<title>Mortgage Tutorial - The ABCs of Refinancing Your Home Loan</title>
<link>http://EzineArticles.com/539359</link>
<guid>http://EzineArticles.com/539359</guid>
<pubDate>Tue, 24 Apr 2007 14:11:33 -0500</pubDate>
<description><![CDATA[If you are looking to refinance your existing mortgage or considering a cash-back refinance loan, here are several tips to help you with the process. Careful comparison shopping can save you a bundle of cash, if you avoid Yield Spread Premium and Computerized Loan Origination fees in the process.  Here's how you can refinance your home mortgage loan while avoiding these costly mistakes.]]></description>
</item>
<item>
<title>Comparison Shopping for the Best Mortgage Rate When Refinancing</title>
<link>http://EzineArticles.com/532445</link>
<guid>http://EzineArticles.com/532445</guid>
<pubDate>Wed, 18 Apr 2007 15:50:44 -0500</pubDate>
<description><![CDATA[Comparison shopping for the lowest mortgage interest rate is always a good idea when refinancing your mortgage; however, you need to make sure the rate quotes you get do not include retail markup.  This retail markup of your mortgage interest rate is called Yield Spread Premium and will cost you thousands of dollars unnecessarily.  Here are several tips to help you find the best mortgage rate when refinancing.]]></description>
</item>
<item>
<title>How to Compare Mortgage Offers When Refinancing Your Home Loan</title>
<link>http://EzineArticles.com/532248</link>
<guid>http://EzineArticles.com/532248</guid>
<pubDate>Wed, 18 Apr 2007 13:50:19 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your home mortgage, comparison shopping can save you money if you go about it correctly.  There are a number of fees and markup you need to consider before comparing mortgage offers.  Here are several tips to help you avoid costly mistakes like Yield Spread Premium and Computerized Origination Fees when refinancing your home mortgage loan.]]></description>
</item>
<item>
<title>Should You Refinance Your Mortgage Loan Online?</title>
<link>http://EzineArticles.com/532185</link>
<guid>http://EzineArticles.com/532185</guid>
<pubDate>Wed, 18 Apr 2007 12:17:45 -0500</pubDate>
<description><![CDATA[The internet can be an excellent resource for comparing mortgage offers.  There are a number of potential pitfalls with online mortgage sites that many homeowners overlook completely when refinancing their mortgage loans.  Here are several tips to help you avoid costly mistakes when refinancing your mortgage online.]]></description>
</item>
<item>
<title>Mortgage Refinancing With a 15 Year Term Length</title>
<link>http://EzineArticles.com/529521</link>
<guid>http://EzineArticles.com/529521</guid>
<pubDate>Tue, 17 Apr 2007 08:43:21 -0500</pubDate>
<description><![CDATA[Most homeowners that refinance their home mortgages today should choose a loan with a 15 year term length - however, many choose the higher cost of a 30 year mortgage without thinking about it.  There are valid reasons for choosing a 30 year mortgage - however, you can save yourself a lot of money with a shorter term.  Here are several tips to save you money when refinancing your mortgage.]]></description>
</item>
<item>
<title>Refinance Mortgage Loan - Should I Have Those Mortgage Companies &quot;Bid&quot; On My Loan?</title>
<link>http://EzineArticles.com/529576</link>
<guid>http://EzineArticles.com/529576</guid>
<pubDate>Tue, 17 Apr 2007 08:18:26 -0500</pubDate>
<description><![CDATA[You've seen the commercials on television - "When mortgage lenders compete..." Should you use a website like this to refinance your mortgage?  These sites can be a good resource for refinancing if you read the fine print.  Here are several tips to help you avoid being stung with a "Computerized Loan Origination Fee" when refinancing your home loan.]]></description>
</item>
<item>
<title>Mortgage Refinance Information - Comparison Shopping Will Not Always Save You Money</title>
<link>http://EzineArticles.com/529321</link>
<guid>http://EzineArticles.com/529321</guid>
<pubDate>Mon, 16 Apr 2007 15:58:42 -0500</pubDate>
<description><![CDATA[People tell you to comparison shop until you drop when refinancing your mortgage loan.  Comparison shopping will not necessarily prevent you from overpaying for your new mortgage - in most cases you are simply choosing the best of the worst mortgage rates.  Learn how to recognize and avoid paying Yield Spread Premium with your mortgage and you'll get the mortgage rate you deserve.  Here are several tips to avoid overpaying for your next mortgage when refinancing.]]></description>
</item>
<item>
<title>Mortgage Refinance Information - Avoid Costly Mistakes Save Thousands</title>
<link>http://EzineArticles.com/526114</link>
<guid>http://EzineArticles.com/526114</guid>
<pubDate>Fri, 13 Apr 2007 14:09:58 -0500</pubDate>
<description><![CDATA[If you are considering refinancing your home mortgage you can save yourself a lot of money if you go about it correctly.  Many homeowners refinance their loans to get a lower mortgage rate or cash out equity in their homes.   If your financial situation has changed since you purchased your home you could qualify for a much better loan; here are several tips to help you decide if mortgage refinancing is right for you.]]></description>
</item>
<item>
<title>California Mortgage Refinancing - How to Avoid Overpaying</title>
<link>http://EzineArticles.com/523676</link>
<guid>http://EzineArticles.com/523676</guid>
<pubDate>Thu, 12 Apr 2007 08:46:12 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your California mortgage loan, comparison shopping will save you money if you go about it correctly.  No amount of comparison shopping will help you avoid Yield Spread Premium unless you understand how to recognize the markup of your mortgage interest rate.  Here are several tips to help you avoid paying too much for your next California mortgage.]]></description>
</item>
<item>
<title>California Mortgage Refinancing - Three Reasons to Get a New Home Loan</title>
<link>http://EzineArticles.com/523477</link>
<guid>http://EzineArticles.com/523477</guid>
<pubDate>Thu, 12 Apr 2007 08:42:04 -0500</pubDate>
<description><![CDATA[There are a variety of reasons for reasons for refinancing your California mortgage.  If you are considering refinancing your loan but are uncertain if a new loan is right for your situation, here are several good reasons for jumping in. ]]></description>
</item>
<item>
<title>California Refinancing - How to Choose the Right Mortgage Broker</title>
<link>http://EzineArticles.com/523728</link>
<guid>http://EzineArticles.com/523728</guid>
<pubDate>Thu, 12 Apr 2007 08:27:19 -0500</pubDate>
<description><![CDATA[Choosing the right mortgage broker to refinance your California mortgage can save you time, money, and aggravation.  Mortgage brokers have extensive contacts in the mortgage industry and can often provide access to loan offers you wouldn't find on your own.  The problem with using a mortgage broker is that most are paid by commission and the mortgage that gives your broker the largest commission probably isn't the right loan for you.  Here are several tips to help you avoid paying too much when refinancing your California mortgage with a broker.]]></description>
</item>
<item>
<title>Yield Spread Premium Class Action Lawsuit</title>
<link>http://EzineArticles.com/523168</link>
<guid>http://EzineArticles.com/523168</guid>
<pubDate>Wed, 11 Apr 2007 14:18:56 -0500</pubDate>
<description><![CDATA[Homeowners in Washington State have been granted class action status in a lawsuit against a major national mortgage lender over Yield Spread Premium.  Yield Spread Premium is used by every mortgage lender in the country; if you are homeowner in the United States you need to know about this class action lawsuit.  ]]></description>
</item>
<item>
<title>California Jumbo Mortgage Loans - How to Avoid Overpaying</title>
<link>http://EzineArticles.com/522037</link>
<guid>http://EzineArticles.com/522037</guid>
<pubDate>Tue, 10 Apr 2007 16:49:57 -0500</pubDate>
<description><![CDATA[The high cost of real estate in California forces many homeowners into Jumbo mortgage loans.  What are jumbo loans? Any mortgage amount that is higher than the conforming loan limit is considered a jumbo mortgage.  Here are several tips to help you avoid paying too much for your California mortgage loan.]]></description>
</item>
<item>
<title>Los Angeles Mortgage Refinancing - Why You Should Avoid Bank Loans</title>
<link>http://EzineArticles.com/521890</link>
<guid>http://EzineArticles.com/521890</guid>
<pubDate>Tue, 10 Apr 2007 16:35:55 -0500</pubDate>
<description><![CDATA[Home homeowners choose a loan from their bank when it's time to refinancing their Los Angeles mortgage.  While bank mortgage loans are convenient, they are not the most affordable option for your new California mortgage.  Here are several reasons why you should avoid bank loan when refinancing your Los Angeles mortgage loan.]]></description>
</item>
<item>
<title>Los Angeles Mortgage Refinancing - Find the Best California Home Loan</title>
<link>http://EzineArticles.com/521848</link>
<guid>http://EzineArticles.com/521848</guid>
<pubDate>Tue, 10 Apr 2007 16:03:55 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your Los Angeles home, the right loan can mean the difference between saving money and overpaying thousands of dollars every year.  With the high cost of home prices in Los Angeles, homeowners need to be especially careful when refinancing their mortgages.  Here are several tips to help you avoid paying too much when refinancing your home in Los Angeles.]]></description>
</item>
<item>
<title>Mortgage Refinancing - Avoid Paying Too Much For Your Home</title>
<link>http://EzineArticles.com/521761</link>
<guid>http://EzineArticles.com/521761</guid>
<pubDate>Tue, 10 Apr 2007 15:53:36 -0500</pubDate>
<description><![CDATA[For most people their homes are the single largest investment ever made.  Many homeowners overpay for their homes because they don't understand the mortgage they use can add hundreds of thousands of dollars to the cost of their homes.  Here are several tips to help you avoid overpaying for your home when refinancing your mortgage.]]></description>
</item>
<item>
<title>Mortgage Refinancing Basics - How to Get Started</title>
<link>http://EzineArticles.com/520637</link>
<guid>http://EzineArticles.com/520637</guid>
<pubDate>Tue, 10 Apr 2007 09:38:44 -0500</pubDate>
<description><![CDATA[If you are considering refinancing your existing mortgage, understanding the basics of mortgage lending will save you money.  Doing your homework before applying will help you avoid many of the costly mistakes homeowners make when refinancing.  Here are several tips to help you find the perfect loan for your situation when refinancing your mortgage.]]></description>
</item>
<item>
<title>Refinancing Your Maryland Mortgage and Yield Spread Premium</title>
<link>http://EzineArticles.com/520579</link>
<guid>http://EzineArticles.com/520579</guid>
<pubDate>Tue, 10 Apr 2007 09:37:34 -0500</pubDate>
<description><![CDATA[If you are considering refinancing your home loan in Maryland, Yield Spread Premium could cost you thousands of dollars.  What is Yield Spread Premium? It is simply the markup of your interest rate for your loan representative's commission.  If you haven't learned how to recognize this markup you're paying thousands of dollars for your mortgage unnecessarily.  Here are several tips to help you avoid paying too much when refinancing your Maryland mortgage. ]]></description>
</item>
<item>
<title>Reasons for Refinancing Your Connecticut Mortgage Loan</title>
<link>http://EzineArticles.com/520270</link>
<guid>http://EzineArticles.com/520270</guid>
<pubDate>Tue, 10 Apr 2007 08:31:20 -0500</pubDate>
<description><![CDATA[Are you considering refinancing your Connecticut mortgagee loan but are uncertain if a new loan is right for your situation?  Mortgage refinancing can save you a lot of money when done correctly - it can also result in overpaying thousands of dollars in unnecessary interest and fees.  Here are the top reasons for refinancing your Connecticut home loan to help you decide if a new mortgage is right for you.]]></description>
</item>
<item>
<title>California Mortgage Refinancing ABC's - How to Get Started</title>
<link>http://EzineArticles.com/517760</link>
<guid>http://EzineArticles.com/517760</guid>
<pubDate>Sun, 08 Apr 2007 15:42:14 -0500</pubDate>
<description><![CDATA[If you are considering mortgage refinancing in California, no amount of comparison shopping will prevent you from overpaying.  The reason for this is that every quote you receive includes the hidden markup known as Yield Spread Premium.  Here are several tips to help you avoid overpaying when refinancing your California Mortgage loan.]]></description>
</item>
<item>
<title>California Mortgage Refinance - Finding a New Loan Without Overpaying</title>
<link>http://EzineArticles.com/517486</link>
<guid>http://EzineArticles.com/517486</guid>
<pubDate>Sun, 08 Apr 2007 14:21:22 -0500</pubDate>
<description><![CDATA[If you are refinancing your California mortgage loan it can be difficult to know which loan is best for you.  There are dozens of loans to choose from and not every mortgage will be right for your situation.  Doing your homework and learning how mortgage companies make their money will help you avoid paying too much.  Here are several tips to help you find the perfect mortgage when refinancing your California mortgage.]]></description>
</item>
<item>
<title>Refinance California Mortgage - What to Look for in a Lender</title>
<link>http://EzineArticles.com/517563</link>
<guid>http://EzineArticles.com/517563</guid>
<pubDate>Sun, 08 Apr 2007 14:03:23 -0500</pubDate>
<description><![CDATA[Want to refinance your mortgage in California?  The Internet makes it easy to find and apply for mortgage loans; however, there are a number of refinancing pitfalls you need to avoid.  These costly mistakes result in overpaying thousands of dollars for your new California mortgage; here are several tips to help you avoid them.]]></description>
</item>
<item>
<title>California Mortgage Refinance - How to Avoid Overpaying for Your New Loan</title>
<link>http://EzineArticles.com/516257</link>
<guid>http://EzineArticles.com/516257</guid>
<pubDate>Thu, 05 Apr 2007 12:38:42 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your California mortgage loan, there are a number of pitfalls that will cause you to overpay for your new loan.  Finding the perfect California mortgage takes more than careful comparison shopping, you need to understand the industry and speak the lingo. Here are several tips the help you find the perfect California mortgage refinance loan without paying too much.]]></description>
</item>
<item>
<title>Is Your Adjustable Rate Mortgage Loan At Risk?</title>
<link>http://EzineArticles.com/514000</link>
<guid>http://EzineArticles.com/514000</guid>
<pubDate>Wed, 04 Apr 2007 06:04:01 -0500</pubDate>
<description><![CDATA[If you purchased your home within the past two or three years, there is a very good chance you used an Adjustable Rate Mortgage loan.  In 2005 alone, one out of every three mortgages had an adjustable interest rate.  When used correctly, these loans offer lower payments and greater flexibility for borrowers.  When abused, Adjustable Rate Mortgages can lead to financial disaster. Here are several tips to help you evaluate your Adjustable Rate Mortgage and decide if refinancing is right for you.]]></description>
</item>
<item>
<title>Mortgage Refinancing - How to Avoid Payment Shock</title>
<link>http://EzineArticles.com/513799</link>
<guid>http://EzineArticles.com/513799</guid>
<pubDate>Wed, 04 Apr 2007 05:19:21 -0500</pubDate>
<description><![CDATA[The best advice for homeowners refinancing their mortgages online is to read before you click.  Payment shock comes in many forms and can lead to a mortgage payment you simply cannot afford.  Here are several tips to help keep you out of financial hot water when mortgage refinancing.]]></description>
</item>
<item>
<title>Mortgage Broker Refinancing - How to Avoid Overpaying</title>
<link>http://EzineArticles.com/513942</link>
<guid>http://EzineArticles.com/513942</guid>
<pubDate>Wed, 04 Apr 2007 05:08:50 -0500</pubDate>
<description><![CDATA[Mortgage brokers can be an excellent resource for refinancing.  Brokers have extensive contacts in mortgage industry and access to loan offers you might not find on your own.  The problem with using a mortgage broker is that this person makes a living on commission; the mortgage that gives them the largest commission might not be the right loan for you.  Here are several tips to help you refinance with a mortgage broker without overpaying for your new mortgage loan.]]></description>
</item>
<item>
<title>Mortgage Refinancing With an Adjustable Rate Mortgage</title>
<link>http://EzineArticles.com/513777</link>
<guid>http://EzineArticles.com/513777</guid>
<pubDate>Tue, 03 Apr 2007 16:32:58 -0500</pubDate>
<description><![CDATA[When used correctly an Adjustable Rate Mortgage can save homeowners who fully understand their loans thousands of dollars.  There is always the risk of payment shock with an Adjustable Rate Mortgage; however, these loans come with safety features build in to help you minimize the risk.  Here are several tips to help you decide if mortgage refinancing with an Adjustable Rate Mortgage is right for you.]]></description>
</item>
<item>
<title>Mortgage Refinancing With an Interest Only Loan</title>
<link>http://EzineArticles.com/513683</link>
<guid>http://EzineArticles.com/513683</guid>
<pubDate>Tue, 03 Apr 2007 14:51:59 -0500</pubDate>
<description><![CDATA[Interest only mortgages can be an excellent tool for refinancing your mortgage when used correctly.  Homeowners who abuse interest only mortgages frequently experience payment shock when the lenders begin adjusting their loans.  Here are several tips to help you decide if interest only mortgage refinancing is right for you.]]></description>
</item>
<item>
<title>The Biggest Mortgage Refinancing Mistake You Need to Avoid</title>
<link>http://EzineArticles.com/513653</link>
<guid>http://EzineArticles.com/513653</guid>
<pubDate>Tue, 03 Apr 2007 14:06:54 -0500</pubDate>
<description><![CDATA[There's a lot of bad advice on the Internet about mortgage refinancing.  The majority of what you read is sales motivated and results in overpaying for your new mortgage.  There is however, one little known mistake that can result in overpaying thousands of dollars every year you keep the loan.  Here are several tips to help you avoid paying too much when refinancing your mortgage.]]></description>
</item>
<item>
<title>Mortgage Refinancing - How to Do it</title>
<link>http://EzineArticles.com/512536</link>
<guid>http://EzineArticles.com/512536</guid>
<pubDate>Tue, 03 Apr 2007 08:34:23 -0500</pubDate>
<description><![CDATA[Once you've decided to refinance your mortgage, how should you go about it?  The costs for taking out a new mortgage vary widely and if you're not careful it's very easy to pay too much.  Here are several tips to help save you money when refinancing your mortgage loan.]]></description>
</item>
<item>
<title>Mortgage Refinancing - Deciding Whether to Do It</title>
<link>http://EzineArticles.com/512463</link>
<guid>http://EzineArticles.com/512463</guid>
<pubDate>Tue, 03 Apr 2007 08:28:22 -0500</pubDate>
<description><![CDATA[There are many reasons for choosing to refinance your mortgage.  The best reason is to save money.  While saving money isn't the only good reason for refinancing, you can easily calculate whether mortgage refinancing is right for your financial situation.  Here are several tips to help you determine if mortgage refinancing makes sense in your situation. ]]></description>
</item>
<item>
<title>Mortgage Refinancing - Fixed Interest Rate Loans</title>
<link>http://EzineArticles.com/512631</link>
<guid>http://EzineArticles.com/512631</guid>
<pubDate>Tue, 03 Apr 2007 08:17:27 -0500</pubDate>
<description><![CDATA[If you are in the market for a new mortgage loan, choosing the right type of mortgage could mean the difference between saving money and overpaying.  There are two basics types of mortgages loans depending on your objectives and tolerance for risk.  Here are several tips to help you choose the best mortgage when refinancing.]]></description>
</item>
<item>
<title>Online Mortgage Quotes - 3 Things You Need to Know Before Completing That Form</title>
<link>http://EzineArticles.com/504961</link>
<guid>http://EzineArticles.com/504961</guid>
<pubDate>Wed, 28 Mar 2007 08:38:41 -0500</pubDate>
<description><![CDATA[The Internet can be an excellent tool for researching mortgage lenders and loan offers. There are a number of problems that arise when using even the most "reputable" sites to request quotes.  Here are three tips to help you avoid being taken advantage of when shopping for a mortgage online.]]></description>
</item>
<item>
<title>Is Mortgage Refinancing With a Fixed Interest Rate Loan Right For You?</title>
<link>http://EzineArticles.com/503717</link>
<guid>http://EzineArticles.com/503717</guid>
<pubDate>Tue, 27 Mar 2007 10:45:25 -0500</pubDate>
<description><![CDATA[If you are considering mortgage refinancing with a fixed rate mortgage, there are several factors you need to consider beyond the interest rate.  Choosing the right type of mortgage means the difference between saving thousands of dollars or overpaying when refinancing your home loan.  Here are several tips to help you choose the perfect mortgage for your situation when refinancing.]]></description>
</item>
<item>
<title>Mortgage Refinancing Basics - Choosing the Right Loan</title>
<link>http://EzineArticles.com/499164</link>
<guid>http://EzineArticles.com/499164</guid>
<pubDate>Fri, 23 Mar 2007 09:27:39 -0500</pubDate>
<description><![CDATA[Choosing the right type of loan when refinancing your mortgage can mean the difference between finding the perfect mortgage and overpaying thousands of dollars. Many homeowners automatically choose a 30 year mortgage without factoring in the high cost.  Here are several tips to help you decide which type of mortgage is right for your situation when mortgage refinancing.]]></description>
</item>
<item>
<title>Stop Throwing Money Away On Unnecessary Mortgage Interest</title>
<link>http://EzineArticles.com/499294</link>
<guid>http://EzineArticles.com/499294</guid>
<pubDate>Fri, 23 Mar 2007 09:22:40 -0500</pubDate>
<description><![CDATA[Homeowners in the United States will overpay $16 billion dollars for their mortgage loans in 2007.  According to the Department of Housing and Urban Development you are already paying your share.  Here are several tips to help you avoid paying too much to your lender in unnecessary mortgage interest.]]></description>
</item>
<item>
<title>Mortgage Refinancing - How to Qualify For The Perfect Interest Rate</title>
<link>http://EzineArticles.com/499062</link>
<guid>http://EzineArticles.com/499062</guid>
<pubDate>Thu, 22 Mar 2007 15:42:20 -0500</pubDate>
<description><![CDATA[If you are in the process of refinancing your mortgage, qualifying for the lowest mortgage rate will save you thousands of dollars.  The mortgage rate you receive depends less on your credit rating than you might think.  Here are several tips to help you negotiate for the lowest mortgage rate and avoid paying unnecessary markup when refinancing your mortgage.]]></description>
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