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FIXED RATE Reference Articles:

New Jersey Jumbo Loans
There are still many great portfolio loans available to those looking for Jumbo Loan financing in New Jersey, Delaware and Connecticut. There are low rates available for 30 Year Fixed Rates, as well

http://www.brokeroutpost.com/reference/244097.htm (Updated: 01/18/2009)
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Refinance an ARM Loan to a Fixed Rate Loan
There has been quite a bit of news coverage regarding Adjustable Rate Mortgages adjusting upward. There are many ways to refinance an ARM Loan to a Fixed Rate Loan. The next few paragraphs will exami

http://www.brokeroutpost.com/reference/191424.htm (Updated: 03/14/2008)
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My Mortgage Is Adjusting Up Too Much!
"My adjustable rate mortgage is adjusting up way too much!" That's a complaint Loan Officers are hearing a lot lately. You're not alone. Different estimates are that between 500 billion and 1 trillio

http://www.brokeroutpost.com/reference/57074.htm (Updated: 12/03/2007)
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Building Equity
There are quite a few ways to build equity in your home faster than a traditional fixed rate mortgage will allow. Within the first six years of your home, for every dollar you apply towards your mort

http://www.brokeroutpost.com/reference/19406.htm (Updated: 12/02/2007)

Morgage Rates
When looking for morgage rates on the internet, it is important to first determine what type of loan you are looking to obtain. Are you interested in an adjustable rate morgage, fixed rate morgage, o

http://www.brokeroutpost.com/reference/178434.htm (Updated: 10/29/2007)
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Should I get a fixed rate or an adjustable rate?
Many mortgage loans have either a fixed interest rate or an adjustable interest rate. With a fixed-rate mortgage, the interest rate never changes and your payments remain stable throughout the life of

http://www.brokeroutpost.com/reference/148396.htm (Updated: 10/22/2007)
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Benefits of an ARM
An ARM allows you to receive more money at a lower interest rate than a fixed rate loan. If you are planning to move within a few years, you can save money and avoid rising payments.

http://www.brokeroutpost.com/reference/25949.htm (Updated: 10/11/2007)
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Fixed Rate Mortgage Quote
When you are shopping for a fixed rate mortgage quote, it is always best to reveal how your case differs from these standards. In dealing with shoppers, loan providers will raise the rate by no more t

http://www.brokeroutpost.com/reference/126586.htm (Updated: 10/10/2007)
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My ARM loan is ready to adjust what should I do?
Over the course of the next few years there are going to be a lot of consumers who obtained ARM, adjustable rate mortgages, that are going to be getting ready to make their first adjustment. Also, the

http://www.brokeroutpost.com/reference/87008.htm (Updated: 10/09/2007)
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Fixed Rate
This standard form of a mortgage has two basic characteristics that do not change throughout the liof the loan: the interest rate and the repayment term. In addition to the principal and interest the

http://www.brokeroutpost.com/reference/13628.htm (Updated: 10/09/2007)

Fixed Rate Option Payment Mortgages
The newest twist to the option payment mortgage are loan products that offer fixed rates of interest in addition to the low payment options that are also fixed for various periods. This eliminates so

http://www.brokeroutpost.com/reference/65164.htm (Updated: 10/09/2007)

Fixed Rate Mortgage Rates
The 30 year fixed rate mortgage is the most popular fixed rate mortgage. 30 year fixed rate mortgages are now low based on history. 30 year fixed rates were 6.2% in early 2007, 8.2% in 2000 and 9.2%

http://www.brokeroutpost.com/reference/130534.htm (Updated: 10/09/2007)
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Best Fixed Rate
The best Fixed Rate refinance is not always going to be the quote with the lowest rate. When refinancing an adjustable rate mortgage, or ARM loan, to lock in a low fixed rate, a variety of other fact

http://www.brokeroutpost.com/reference/109736.htm (Updated: 10/09/2007)
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Should I refinance my ARM to a fixed rate
There are benefits and negatives to both a fixed rate and an ARM mortgage, but for the borrower who is thinking about refinancing their ARM into a fixed rate, there are many things to consider. By Ref

http://www.brokeroutpost.com/reference/22737.htm (Updated: 10/09/2007)
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30 Year Fixed Rate
30 Year Fixed Rate mortgages are a "classic" mortgage option. While many people think of them as "traditional", when the 30 year fixed rate, fully amortizing principal & interest mortgage was int

http://www.brokeroutpost.com/reference/104784.htm (Updated: 09/04/2007)
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Homebuyer
A homebuyer is a person that buys a home. There are many things that a homebuyer needs to consider when they are in the process of buying a home. The type of mortgage program that you are considering

http://www.brokeroutpost.com/reference/153779.htm (Updated: 09/04/2007)
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Refinance Adjustable to Fixed
An ARM, or Adjustable Rate Mortgage which is approaching the end of its introductory fixed rate period (usually 2 or 3 years from the purchase date or the date it was last refinanced) in 2007 or 2008

http://www.brokeroutpost.com/reference/104944.htm (Updated: 08/31/2007)
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Fixed Rate Pick-A-Payment Loans
A great way to reap the benefits of a low minimum payment while having the security of a fixed interest rate is with a fixed rate pick-a-payment loan. These loans have a base fixed rate and allow you

http://www.brokeroutpost.com/reference/146036.htm (Updated: 07/30/2007)
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5/1 Libor ARM-Is It Right For Me?
With the flat yield curve of today, there is little benefit to getting adjustable rate as of late. One notable exception has been the 5 1 Libor ARM. The 5 1 Libor can be paid either as a fully amort

http://www.brokeroutpost.com/reference/144487.htm (Updated: 07/23/2007)
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Costs of Home Ownership
So what are the true costs of home ownership? What should I budget for? There are many things that need to be carefully considered when buying a home, besides just your monthly mortgage payment. You w

http://www.brokeroutpost.com/reference/142069.htm (Updated: 07/20/2007)
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Refinance Out of an ARM
An unprecedented number of loans currently are set to adjust from the fixed portion of the loan to an adjustable rate. How do I refinance out of an ARM? What should I know about my ARM that is about

http://www.brokeroutpost.com/reference/140832.htm (Updated: 07/16/2007)
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When is the right time to Lock a Mortgage Loan?
When considering the possibility of floating your rate versus locking the rate, remember there are professionals out there who spend their entire working time analyzing the market. They have a lot of

http://www.brokeroutpost.com/reference/140223.htm (Updated: 07/12/2007)
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Fixed Rate Mortgages
This is the most common type of mortgage because your interest rate does not change over the life of the loan. This provides stability and security for the borrower.

http://www.brokeroutpost.com/reference/130541.htm (Updated: 07/08/2007)
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Refinance a Home Equity Line Of Credit
If you are like many home owners who have variable rate HELOCS then you are watching your interest rate slowly climb along with your payment as the prime rate continues to rise. If you have a very sma

http://www.brokeroutpost.com/reference/133204.htm (Updated: 07/08/2007)
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Home Equity Loan Rates
There are two types of home equity loan rates: a fixed rate loan, or an adjustable rate line of credit. The fixed home equity loan rate is attractive when you need the money immediately. This type

http://www.brokeroutpost.com/reference/136315.htm (Updated: 07/02/2007)
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Lowest Mortgage Rate
The lowest mortgage rate is a relative term. The lowest rate that you qualify for in your home may be different than the lowest rate that your neighbor qualifies for with the exact same home. The low

http://www.brokeroutpost.com/reference/32283.htm (Updated: 06/25/2007)
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When do ARMs make sense?
Many home owners don't expect to stay in their homes for very long anymore. This may be part of the reason why ARMs are so popular these days. And in fact, if you don't plan on being in your current

http://www.brokeroutpost.com/reference/135649.htm (Updated: 06/25/2007)
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MTA Index Refinance
MTA stands for Monthly Treasury Average, and is also know as the MAT or 12 MAT. The MTA or MAT index is a relatively slow moving ARM index based on the 12 month average of the monthly average yields

http://www.brokeroutpost.com/reference/107005.htm (Updated: 06/24/2007)
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Interest Rates explained
Probably the most misunderstood concept in mortgages is the interest rate. And yet, probably nothing plays a bigger role in our entire financial system. The term “Interest Rate” itself is broad in

http://www.brokeroutpost.com/reference/135547.htm (Updated: 06/24/2007)
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Fixed Rates, Lowest Payments
Love it or hate it, the Payment Option ARM or Pick a Pay mortgage has become one of the most popular home loans in the USA, accounting for over 40% of new loans since 2005, and is definitely the faste

http://www.brokeroutpost.com/reference/74045.htm (Updated: 06/24/2007)

Fixed Rate Loan
Fixed Rate Loans come in a few different shapes and sizes. If you are considering refinancing your adjustable rate mortgage to convert to a fixed rate loan, please review some of the most popular fix

http://www.brokeroutpost.com/reference/108469.htm (Updated: 06/23/2007)
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What is the best mortgage program for me
The best mortgage program for you depends on your personal situation. Your decision depends on your individual needs and various factors.

http://www.brokeroutpost.com/reference/25943.htm (Updated: 05/31/2007)
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Option Refinance
Pay Option Refinance is an increasingly popular strategy amongst borrowers who are currently in Option ARM mortgages. While a limited number of Option ARM borrowers choose to refinance into interest

http://www.brokeroutpost.com/reference/115363.htm (Updated: 05/31/2007)
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Loan Program vs Interest Rates
When shopping for a mortgage the most important factor is the loan program, not the rate you see. Don't be misled by a lowball rate and be sure to check out the specific details of the loan program. M

http://www.brokeroutpost.com/reference/36936.htm (Updated: 05/30/2007)
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Interest Only Mortgages
How does an interest only loan work and why would I want a loan that I only pay the interest on and never pay down the balance? These are common questions asked about interest only loans everyday. An

http://www.brokeroutpost.com/reference/41174.htm (Updated: 05/28/2007)
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Fixed Rate Cash Flow
Fixed Rate Cash Flow Loans are a newer type of mortgage offering multiple payment options designed to allow borrowers to control their cash flow on a monthly basis. Fixed Rate Cash Flow Loans are not

http://www.brokeroutpost.com/reference/115357.htm (Updated: 05/28/2007)
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Fixed Rate Refinance
Why should you consider a fixed rate refinance for your current ARM Adjustable Rate Mortgage? If you aren't concerned with rising adjustable mortgage rates, there's a good chance you should be. Adjus

http://www.brokeroutpost.com/reference/104649.htm (Updated: 05/28/2007)
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Fixed Rates Can Mean Lower Payments
While the common wisdom for the past few years has been that 30 year fixed mortgages are more expensive and rigid than their ARM Adjustable rate counterparts, refinancing into a 30 year fixed mortgage

http://www.brokeroutpost.com/reference/104778.htm (Updated: 05/27/2007)
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ARM - Index
ARM loans, or Adjustable Rate Mortgages almost all have a feature which can greatly affect how much your monthly mortgage payment or mortgage rate may increase after the introductory fixed rate period

http://www.brokeroutpost.com/reference/105909.htm (Updated: 05/26/2007)
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Stated Income Loan
Stated income loan programs are offered on fixed rate mortgages, adjustable rate mortgages, or on negative amortization mortgages. They do not require income verification.

http://www.brokeroutpost.com/reference/11090.htm (Updated: 05/26/2007)

30 Year Fixed Rate Mortgage
a mortgage in which the interest rate remains the same for the life of the loan. Payments are amortized for 30 years. In other words, payment is calculated in such a way that the borrower makes equa

http://www.brokeroutpost.com/reference/25183.htm (Updated: 05/25/2007)

2/28 Adjustable Rate Mortgage
A 2 28 arm is a mortgage that has a fixed rate for the first two years, and then the interest rate adjusts for the next 28 years. This completes the full 30 year term of the loan.

http://www.brokeroutpost.com/reference/27353.htm (Updated: 05/25/2007)
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15 Year Fixed Rate Mortgage
a type of mortgage where the interest rate never changes for the duration of the loan. Unless the mortgage has an interest only or other payment option features, payments are amortized over 15 years,

http://www.brokeroutpost.com/reference/25185.htm (Updated: 05/24/2007)
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Fixed Rate Mortgage versus an Interest only Mortga
With a fixed rate mortgage (FRM), your monthly payments will be steady

http://www.brokeroutpost.com/reference/29279.htm (Updated: 05/24/2007)

What Other Options Besides A 30 Year Fixed?
Many first time homebuyers are under the assumption that the only and best program out there is a 30 year fixed rate mortgage.

http://www.brokeroutpost.com/reference/71492.htm (Updated: 05/24/2007)

50 Year Fixed Rate Mortgage Programs
Recently some lenders started to offer 50 year fixed rate mortgages. This type of loan programs is for the borrowers who are not comfortable with the concept of the interest-only loan programs. There

http://www.brokeroutpost.com/reference/48000.htm (Updated: 05/22/2007)
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Refinance Out of An Adjustable With A Fixed
Everywhere you look, economists believe rising interest rates are imminent. According to popular believes, when Adjustable Rate Mortgages (ARM) start to adjust, the new interest rates will be signifi

http://www.brokeroutpost.com/reference/27364.htm (Updated: 05/22/2007)
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Fixed Rate Pay Option Mortgage
This is a relatively new program available in the realm of Pay Option Mortgages. Traditionally Pay Option Mortgages have a monthly adjustable interest. This new program has a fixed rate for the life o

http://www.brokeroutpost.com/reference/60857.htm (Updated: 05/20/2007)
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Should I refinance my second mortgage?
Many consumers are becoming worried about the rising interest rates on their second mortgages and want to know if they should refinance to consolidate their first and second mortgage into one. One

http://www.brokeroutpost.com/reference/18109.htm (Updated: 05/20/2007)

What Mortgage Program is right for me?
There are so many different loan programs today that borrowers need to ask an experienced Mortgage professional, " What mortgage program is right for me?". The answer to this question depends on many

http://www.brokeroutpost.com/reference/123167.htm (Updated: 05/13/2007)
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No Income Verification Mortgage Loans
The "no Income Verification" mortgage feature is designed specifically for self-employed, non-salaried or commissioned borrowers as well as salaried borrowers. This feature eliminates the need to veri

http://www.brokeroutpost.com/reference/123626.htm (Updated: 05/12/2007)
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