While home buyers often start with a credit union or bank loan officer, these institutions usually offer only programs from one institution. Alternatively, you can work with a Mortgage broker, who works with multiple lenders on your behalf to find the best possible mortgage rate. Although you can negotiate with the broker, you'll be paying higher...

Using the same lender for your refinance makes sense in many cases. This is because there is usually no need to perform a new appraisal or title search on the home. In addition, most lenders will offer you a better rate and price if you stay with them. In fact, refinancing with your original lender can often result in a...

If you're looking to reduce your monthly payments, you might want to consider mortgage refinance. If your mortgage rate has fallen and your home's value has gone up, refinancing is a good idea. Even if you don't plan on staying in your home for the rest of your life, refinancing can significantly reduce your monthly expenses. You can begin by...