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  • Mortgage Refinancing
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  • Get a Home Equity Loans
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  • Consolidate Your Debt
  • Get a Second Mortgage
  • Make a Home Improvements

If your credit rating is less than perfect you can even apply for bad credit loans

Check out our mortgage calculator to see your estimated payment for different loan amounts, interest rates, and terms.

    What's advantage for you:

    Bad Credit Loans If your credit is truly damaged, you may need a "SubPrime" loan. These loans may have higher interest rates, but they can often get you approved when no one else can.
    Refinance Your Home Mortgage Refinancing replaces your existing loan with another lower interest rate loan for the same amount. This can save you tons of money when market interest rates drop 1 or more percentage points lower than your present rate. Refinancing can be used to reduce your interest rate, change the term of your loan, or to consolidate your debts.
    Home Equity Loans With a Equity Loan you can use your home as collateral to consolidate bills, make home improvements, buy a new car, plan a vacation, etc. The minimum amount available for a loan is $10,000, but you can borrow as much as $250,000. There are no closing costs or fees associated with the loan.
    Debt Consolidation Signup for a free debt reduction analysis and see how you can save lots of money!
    Second Mortgages If you don't want to refinance your existing first mortgage, but would like to use your home equity for debt consolidation or just to get cash for any purpose.
    Home Improvement The Title I loan is for individuals requiring funds for home improvement, but who have little or no equity in their property or who live in a state where equity loans are very limited. If you have some equity in your home you may want to consider refinancing for your home improvements. Title I loans bear a higher interest rate than other loan types available.
    First Time Home Buyer Loan Generally, a lender will want your monthly mortgage payment to total no more than 29% of your monthly income before taxes and other paycheck deductions are taken out. Use our mortgage calculator to see what will be your monthly payment

    Take just 5 minutes and find the loan that fits your needs and save thousands of dollars, and best of all it's FREE!

Mortgage Interestrates Blog

A Post Office Autism Tantrum



Cal - Age: 4 1/2. Blond. Child with Autism.

Mom - Age: old. Bottle blond-ish. A bit tired, stressed and distracted from other events of the day. If you will search lidl near me lidl near me on the google then you will get the lidl address near you and their opening and closing hours as well.

Post office Patty - Age: old. Big hair. Big boned. One speed = S.L.O.W.

Naples Nancy - Age: old. Perfectly coifed hair, nails and toes. Spotless designer clothes. May have at one point reared children. Likely the kind who never made a mess, never spoke out of turn, never failed to be anything but polite. At least not unless with the nanny.

ACT 1:

SCENE 1: Cal and Mom arrive at the post office with Dad's international ebay packages. Cal marches right in to the auto teller where they "always" go in the evenings. Mom says, "no, we need to go to the counter since these packages go International." There is absolutely no tone in her voice suggesting that Dad could have run this particular damn errand himself. No tone at old.

SCENE 2: Cal starts to realize they aren't doing things the "usual" way and sees a golden opportunity to run down between the post office boxes so Mom can chase him. Chase is a most excellent game to this particular child. Mom is less enthusiastic about the game and insists that hand holding is the preferred method of moving from point A to Point B. Meanwhile Cal is turning, twisting, falling on the ground, clawing at the hand restraining him and generally engaging in any and all escapist activity. Mom prevails but realizes there is no way she can possibly hold on to said child while completing post office paperwork. However since paperwork is not out, she must wait in line for it.

SCENE 3: Enter Post-office Patty (POP). Trying to be helpful, POP ignores Mom's request for "one white and one green custom form please plus a form for Global Priority." Instead POP is leaning over the counter to say hello to Cal. "Hi there guy. What's your name?" No response comes for the child continuing escape maneuvers that are now causing cramps in mom's hands. "How old are you?" POP continues oblivious to the child who isn't interested, the mom growing impatient and the cleavage showing through the shirt with the popped button. "He's kind of having a bad day," Mom remarks. I need the forms and I'll go fill them out and come back." Blank stare from POP. Mom repeats, "there are no customs forms in the lobby today - do you have a couple?" Finally POP hands Mom the cards.

SCENE 4: As Cal and Mom leave the post office, Cal is successful in an escape. He runs through the lobby, activates the auto doors and Mom's seeing visions of a run out into the parking lot. Mom dashes and snags the back of his shirt in the nick of time. At eye level, Mom sternly lectures, "Cal you CANNOT run from mommy in the store. It is dangerous." Cal laughs. Mom continues, "Look at my face. This is NOT a happy face. You cannot run." Mom grabs Cal's hand as he falls to the floor. Mom picks him up and together they approach the car.

SCENE 5: A quiet Cal sits in his car seat in his space content. Mom sits in the front seat and completes the paperwork. Fade out as mom leans her head back with the realization that they must complete the whole process over again.



SCENE 1: Mom puts on her best cheery voice and says, "okay buddy, we're going to try again. Can you please be a big boy and help mommy send daddy's packages? You need to stay with me and hold my hand. We only have three things so it won't take long." (aside: even the four and a half year old knows that is a lie.)

SCENE 2: Upon entering the post office, Cal immediately begins to melt. This wasn't a happy place 5 minutes ago and it isn't a happy place now. Mom seriously considers leaving but the packages must be shipped and she's off for the afternoon and doesn't have time in a jam-packed Friday at work. They must persevere. Cal just thinks about how much the place sucks and lays down on the ground. Mom reaches down to pick him up balancing three packages to mail, forms and a purse. Cal doesn't want to make it easy and tries to throw himself backward. Only Mom realizes that she almost dropped him right on his head. The stern, 'NO!' was probably too loud but likely justified.

SCENE 3: Waiting in line Mom sets the seemingly 300-pound child on the counter. Child happily maneuvers to the edge and pushes himself off. Then proceeds to start climbing back up. Appropriate? No. Okay with mom given everything else that's been going on? Yup. Up walks Naples Nancy (NN) with her nose high in the air. The first look says it all. No child of hers would be climbing on the counter at the post office. In spite of herself, Mom feels the guilt and judgment that oozes from every pore that remains following the three face lifts NN has had.

SCENE 4: Mom and child make it to the front of the line and since Mom's guardian angel seems about as on-duty as the stupid CapitalOne angel, they again have the privilege of arriving back with Post-Office Patty. "This one goes Global Priority and here's the custom slip" Mom says as she sits Cal on the counter. Cal reaches over, grabs the paperwork and flings it on the ground. Throwing things on the ground from high is nearly as much fun as chase. Mom's stern, "that is not nice" is met with giggles from the child for whom cause and effect and emotion are still far-away concepts. Cal's level of understanding is evident by his reaching over, finding a brochure on the counter and winging that to the ground . . .right at the feet of Naples Nancy at the next teller over. The look of disgust on her face says volumes.

SCENE 5: Post-office Patty, one package down and two to go is looking for something. Mom wants to scream from the delay but figures it's all part of the process. POP returns with a sticker for Cal. The boy who is alternating between sitting on the counter looking for things to throw down and standing trying to escape mom's deathgrip on the ground. Mom tries to keep her voice even when she says, "he really doesn't need a sticker - he doesn't really like them. Thank you though." She's thinking, "stop with the damn sticker and get these packages done before I lose it and scream at this kid." Naples Nancy? Oh, she's completed mailing her one package to Buffy and walks by saying, "my grandson always loves the priority mail sticker he gets when he comes with me." Big f-in deal lady. Shut the f up and move along. No, Mom didn't say that. Mom said nothing. The fake smile was as good as it got. POP? Finally on the last package.

SCENE 6: Mom and child are done. Mom picks child up for a hug and child S.C.R.E.A.M.S. in her ear. A shrill scream of bent-up negative emotion that goes down the spine. Mom meets the negative emotion with her own and loudly yells, "NO SCREAMING" as they step outside. Instantly Mom thinks to herself, way to set a good example about self control.

SCENE 7: Cal's still screaming/crying as he gets in his car seat. He refuses to do the straps. Mom does them. Gets in the car and starts backing out. Cal reaches over, unlocks and opens his car door. Mom stops the car, moves the car seat to the middle of the back seat where he can't reach the door. She refuses to get him out to get the buckle through the seat and instead drives home with the car seat not strapped in the car at all. Mom figures it's better than an open car door. Cal screams most of the way home. Fade out on Cal at home going up the steps to Dad. Mom proceeds to a haircut appointment and out of sheer exhaustion gives up on the 8 months of "growing out" she's endured ending up with short, butch hair.

Instant Background Check


An instant background check is excellent for companies starting up or those that need to fill positions in a hurry. These companies use these sites to check people's background use these sites to check people's background before hiring them officially. A standard background check will have to be mailed, processed and then returned via mail which could take days if not weeks. Fast moving companies cannot afford to wait for a check to be completed and cannot justify hiring without a thorough background review.

Do You Need An Instant Background Check?

Let's say you are a human resource professional working for a Fortune 500 company. Your CFO has just resigned effective immediately and you need to bring in a candidate to fill his position in days rather than in weeks or months. You do not have time to wait for a background check but you also cannot afford to hire a former finance executive from Enron or WorldCom. Performing an immediate background check will provide you with the information you need to make a decision fast and effectively.

Although the aforementioned situation may be a little unrealistic, there are occasions when a background check is needed immediately. In these cases the best way to gather information is over the internet or on the phone. The internet provides another advantage in that once you have submitted the information you can wait for the results while performing other checks rather than being restricted to your phone or desk.

Instant Background Check for Handguns

In conjunction with the Brady Handgun Violence Prevention Act, states are required to run background checks on any person wishing to purchase a handgun. Some states have waiting periods while others allow purchases to happen quickly using an instant check system. The FBI maintains a database that includes information on illegal aliens, previously denied owners, felons and other qualities that forbid someone from purchasing a gun. The database is updated routinely and is a reliable source for an instant check.

Criminal Record Background Check


A criminal record background checker service background checker service may also include running a credit report on a candidate. Now you may be asking yourself why an employer has the right to access this information especially if the position does not require handling money. The Fair Credit Reporting Act (FCRA) outlines all of these questions for you and can serve as a good resource if you can't find everything you need here.

 Why Your Credit Affects a Criminal Record Background Check

To answer the question, many employers use a credit check to measure your level of responsibility. A credit report tracks all open accounts, your level of debt and your cycle of repayment. All your late bills are posted on this report as well as any accounts that have gone to collections. The lower your FICO score, the less responsible you are to an employer.

Your criminal record background check will also include many of the following items: incarceration records, drug test results, sex offenses and court records. These items are listed out by date of offense and also include penalties such as jail time. Since all convictions are a matter of public record, you can be sure that your employer will uncover any criminal history you may potentially have. We encourage you to be forthcoming with your prospective employer about your history before they find out themselves by running a background check.

 How To Prepare

In order to prepare yourself for a criminal background check you should follow these simple steps. First order your credit report and make the necessary changes to keep it updated and accurate. Secondly, revisit any court records that you may have been involved in to ensure the information provided within is correct. Finally, purchase your own online version of your background check. This will enable you to see what information your employer will access and hopefully prevent any misunderstandings about your history.

Reverse E-mail Lookup: Stopping the Harrassment


I'm sure you've received email from someone you don't know and you may want to do phone look up phone look up. Maybe you didn't sign up for anything and you're getting emails about trying Viagra and a mess of other things. Up until recently, the only option to find justice in this process was to delete the emails as they pour in. Some people rely on search engines like Google to make an attempt at finding who sent the email. Thankfully, now we have a brand new technique to put an end to those emails. The technique I'm referencing to is called reverse email lookup. It works just as any other search engine, which you should be used to.

All you have to do is type the electronic mail id of the person who sent it to you and click proceed. Unlike a normal search engine, which can give you information you really don't care to see, reverse email lookup searches are more efficient and accurate. These searches keep their databases and directories organized and professional, so you get what you are looking for and nothing else. Each report you receive when you submit a lookup tells you clearly and unambiguously who sent the email and where they sent it from.

Before you go asking about cost, you need to know there are free reverse email lookup sites out there. You should also know that though it is the cheapest alternative, it is also the least useful. Don't get me wrong, if you are unsure and want to know how this process works, start with a free site. If you want more information, turn to a paid one. Free sites rely on their income to be from ads, so don't click anything on their site that may seem suspicious. If you do choose to use a paid site, there are some that will suit your budget and give you the information you need.

You can use these sites to be able to see senders of emails you don't want; that is, they are unsolicited. As a bonus, you can have them confronted by the local authorities as well. You may think this process has no credit to run with, but the police are using this kind of technology as well. In your report you will be able to see the name of the sender, their address, and tons of other information which you can print and use when you contact the authorities. Be aware, however, that the free lookups may not give you the required information to go to law enforcement. To save yourself time and frustration, it may be better to fork over the little bit of cash to get the extra information you may need.

6 Ways to Finance Your Roof Replacement Project


Roof replacement, just like any other building project can be a big project that requires a lot of money. Roof cleaning Roof cleaning is however dependent on the size of your building. When you don’t have enough finances, tackling this roofing project can be draining and exhausting.

Fortunately, there are several ways to finance your roofing project. This article explores the most common ways through which you can source finances for your roof replacement project. They include:


  • Roofer’s Financing

Most roofing companies have financing program options to help their customers get their service affordably. This may include allowing their customers to pay for the roof replacement in portions. Nonetheless, you should know that this comes with interest.


  • Home Equity Loan

Another option is to acquire a home equity loan against your property’s equity. This means that you can borrow against the equity you have, which is usually 85%.  For instance, if you purchased a home worth $200,000 and made mortgage payments of $150,000, then you get a home equity loan of $150,000. However, take note that you risk losing your home if you fail to make payments on time.


  • Bank Loan

You can apply for a bank loan to help you finance your roofing project easily. A bank loan will be processed within a short time as long as you are eligible. This is thus a good source of funds if you need to complete the project quickly.

However, you must determine viable ways through which you will service your loan. Generally, you will need to clear the loan within a specific time as per your agreement with your bank.


  • Homeowner’s Insurance

A homeowner’s insurance can help you cover the cost of replacing your roof. Of course, this will depend on the terms of your policy. You should also check with your insurance provider to determine if they will cover part or the full cost of your roof replacement. If you opt for this method, make sure that you choose a roofer that will not charge you upfront.


  • Personal savings

Upon your decision to replace the roof of your building, you can start saving towards it. To know the estimated amount of money you need, seek the advice of a roofing expert. Subsequently, you can plan your income and determine how much you need to save and how long it will take.

However, remember that saving requires a high level of discipline. Therefore, you must be ready to sacrifice a fraction of your income to achieve this. After saving enough money, you can then undertake your roof replacement project comfortably.

Personal savings is a good way to finances your roof replacement project since it does not leave you with debt to clear. It may however take time and will require you to be patient.


  • Borrowing from Family and Friends

Borrowing soft loans from family and friends is also one easy way to finance your roof replacement process. Identify friends or family members who can trust you with their money. Secondly, evaluate whether the friend you pick can afford the amount that you need. After your evaluation borrow an amount that you are sure to pay to avoid ruining your friendship.


Final Thoughts

Although there are various ways to finance your roof replacement, be sure to choose one that suits you best. Choose a source of funds that will not dent your pocket or have adverse effects on your livelihood.

Can Mortgage Payment Be Done By Use Of Bitcoins


Many vendors like always get happy when you utilize your bitcoins to purchase their products online. Cryptocurrency is continually being accepted by retailers and it has made people wonder if bitcoins can be used for a mortgage payment. The following is a discussion on whether it is possible or not to get a mortgage by Withdrawing / Spending Bitcoin.  

The problem of volatility

Despite the growing excitement of Bitcoin usage, there is a challenge when it comes to transacting real estate deals. In accordance with data released by on 6th April 2014, the price of bitcoin was at $ 459.67. The previous day it was at $ 451.84 and after 6th April 2014, it was at $447.74. Bitcoin volatility has made it a nightmare for financial institutions to use it in valuing mortgages. Consider the following examples of volatility.

  • If you borrow $ 200,000 for your house and the exchange rate of the mortgage is $400 for each $1, your mortgage will be valued at 500 bitcoins. 
  • A sudden switch of bitcoin value to $500 would make you owe the bank $250,000. This is not an experience you would like to go through. 
  • In contrary to the previous option, the value may drop to $ 300 meaning that you owe the bank $150,000. It is very obvious that no bank would agree to such terms. 

Bitcoins hold a very high improbability of being used in a mortgage plan unless its price attains stability. It still wonders about the needed stability because, despite the long existence of gold and silver, mortgages are not issued against them.

The possibility of using a processor for Bitcoin payment

A processor for bitcoin payment is the only way that stands a chance to overcome Bitcoin price volatility. It would work as discussed in the following summary.

  • Signing up for a mortgage service and providing your payment information.
  • Scheduling your payments on a monthly basis or paying once each time you utilize the wallet which stores your bitcoin. 
  • Your creditors should get checks from the payment processor. 
  • For every transaction, the payment processor should apply a considerable and convenient fee. 

This worked in theory for a while because there are rumors attaching to processing several mortgage payments. The interesting part is that no fees were charged for services under $8,000. Unfortunately, around December 2013 was closed. Not even other types of cryptocurrencies like Coinbase and Bitpay have been used in mortgage payments. 

Is it possible to use Bitcoins for paying the mortgage?

For now, it is not possible for financial institutions providing mortgages to accept such terms. If payment processors fail to make deals with financial institutions, only one option is left for using Bitcoins for a mortgage. You should consider exchanging Bitcoins with dollars and after depositing them in a bank, you will pay the lender normally. 


The above discussion outlines the volatility of using Bitcoins and available possibilities. If by any chance things change and allow mortgage payment by use of Bitcoins, key attention is required based on the requirements for tax reporting. 

Buying and Selling Property Through Online Auctions: How it Works


In this digital era, everything can be bought and sold online, including property. Experts recommend helium 10 for the same. Unknown to many property owners, there are online property auctions where you can buy or sell individual properties. 

With online property auctions, you can bid on any property which interests you in real-time until the end of the auction. Therefore, you can make an investment purchase from anywhere as long as you have an internet connection.

Here is everything you need to know about online auctions.

What is an Online Property Auction?

An online property auction involves selling individual property online. Bidding for listed property is done on an online-based platform, which is similar to Selling on Amazon or eBay. All bidders will be asked to register their interest and submit valid documents to be able to bid on the listed items.

How Online Property Auctions Work

In an online auction, properties are placed online, and a 30 days auction timer is set. Buyers can see property images, bid, and buy them. However, buyers may need to pay a participation fee, which is usually refundable. 

All this information will be available on the auction website, which you can access through your phone or laptop. 

Bidding online is similar to physical bidding since it offers the same features. For example, you get access to various transparent sales and a range of available unique property. At the end of the auction, the highest bid wins.

Types of Online Property Auctions

There are two types of online property auctions conditional and unconditional. In a conditional online auction, the successful bidder has a long period to complete the purchase and exchange contracts. Usually, there is a 40 working day allowance.

On the other hand, an unconditional auction involves the exchange of contracts immediately after the hammer falls. This auction has a completion period of 28 days.

How to Buy Property Through Online Auction

  • Register to an auction account and log in
  • Bid through live bidding or online proxy 
  • Bid on the property
  • Buy it

Advantages and Disadvantages of Buying Through Online Property Auctions

Several pros and cons come with buying a property through online auctions. 


  • The main advantage of online auctions is that it is fast. You can sell your property much faster since you only have to put up your property for sale. This is unlike a physical auction, where you need to wait for the next sale that could be weeks away.
  • Online auctions attract buyers from around the globe. More bidders could mean a better selling price. 
  • Unlike a traditional property auction, online property auctions have a long completion timescale that allows the buyer adequate time to arrange for the mortgage finance.
  • The process of buying and selling properties on an online auction is very transparent. It lets you see the bidding process.


  • One disadvantage is that you may not fully benefit from competitive bidding, which happens in physical bidding. As such, you may not always get the best sales price. 
  • Buyers and sellers may be required to share in legal costs, depending on the seller's terms.
  • Online auctions may include other administrative fees.

How to Sell a Property Through an Online Auction

First, you need to choose a sales platform where you prefer to do the online auction. You should then agree on the reserve price with the online auction company and your estate agent. This is not the actual bid but the lowest price you are ready to accept.

Get your legal documentation ready and set conditions for the auction. The longer you advertise, the more likely you will get higher bids. Follow the bidding process online. You should note that the reservation fee will only be paid to the online auction company and the estate agent when a buyer pulls out. 

 Advantages and Disadvantages of Selling Property on an Online Auction


  • The seller, and not you, bores the cost of selling the property
  • A quick way of selling property
  • The process is transparent
  • Online auctions have fixed dates for exchange and completion by both parties


  • The selling price is usually lower compared to the open market
  • May include other administrative fees


Buying and selling property in an online auction is a convenient way compared to the conventional bidding method. Besides, you get the same transparent sales while enjoying flexibility. The ability to bid anywhere as long as you have an internet connection is worth a try.

Increasing A Mortgage In Fixing Up A House


Homes that require repair will always be sold at a remarkable discount. Some unique lenders on this website will always give a good plan that provides money to buy a house and cater to major repairs. This is considered a good deal to help you when fixing a house. Stud Finders assists in locating stud framings which are very essential in a building.

Some of these lenders will calculate the value of a house and lend it to you based on a certain percentage. This percentage will always remain fixed. If you want to get an increased mortgage, the Federal Housing Administration program is sought. This is the FHA 203(k) and the following are some of the best tips for a successful mortgage increase. 

Ensure You Locate Property Which Is Eligible

According to FHA 203 (k), the individual taking the mortgage out should be the primary owner of the property. In addition, the house should be used primarily as a residence of the concerned person. The following are examples of eligible property.

A residence owned by a single family

A residence consisting of multifamily and the units can be up to four. One of the four is required to be a principal residence. 

Look For An Experienced Lender

The experience of such a lender should be specialized in programs dealing with FHA 203(k). The housing and urban development department will help you come up with a reputable lender. Do your search well and get a list of all available lenders. 

Before choosing from the long list, consider the years of experience so that you get the best. 

Let Your Lender Assist In Plan Development

Working with the lender is very helpful when it comes to following the FHA 203(k). It is a crucial part when adopting this program and locating a reputable lender. You will never walk alone throughout the process. 

You will be required to pay some payment at first before the process begins. Additional fee may be required to cater for major repairs that cannot be left unattended. An example of a major repair is the one that makes a house to have increased energy efficiency. 

Building Home Equity

You can achieve this by ensuring that the down payment is large. This is achieved by borrowing against your equity and returning it upon tax return from the federal income. The loan will be catered for by the lump sum you receive. The best thing is that you will do payments monthly at a fixed interest rate.


The discussed tips will help you a lot in doing this kind of business. Every deal requires a successful ending hence the reason to embrace such a guideline. Just like high-quality Stud Finders during repairs, highly experienced lenders are also essential in the mortgage procedures.

It is always a good idea to seek counsel where you are incapable. A good lender and the FHA 230(k) will ensure that you are not mixed up in the process. They will offer a legitimate and the best option available.

The Perks of Getting A Mortgage Online


There is more to the internet than just social media or download pc version of the game; these days, you can already find a number of businesses online such as financial institutions.

If you are planning to get a mortgage from your local bank, you might want to think twice about it as there are numerous mortgage loan firms online these days that offer more favorable mortgage terms.

Below is a rundown of some of the advantages online mortgage services have to offer.

  1. Compare Mortgage Offers

When you physically visit a bank with the purpose of getting a mortgage, you will be given a portfolio that contains the bank's mortgage options. On the other hand, when you choose to get a mortgage on the web, you get the opportunity to shop for multiple offers from different loan services.

Getting a mortgage online allows you to compare mortgage offers and evaluate which loan service offers the most favorable mortgage term for you. Moreover, most online mortgage services include articles, FAQs, fact sheets, etc. to help you better understand the mortgage options' percentage rates, payments, as well as fees.

  1. Accessibility to Interactive Online Tools

The majority of online mortgage service websites feature hands-on tools to help customers have a better evaluation of every mortgage deal. They offer online mortgage calculators that allow users to determine if the projected monthly payment for the next decades suits their future financial plans. These mortgage calculators can also be customized to fit different situations. For example, there are options for mortgage purchase calculation and refinance mortgage calculation.

Moreover, numerous online mortgage services now offer smartphone apps that allow users to access and monitor the status of their mortgage application. These apps generally allow users to modify or verify the relevant paperwork to their application as well.  

  1. Convenience

If you choose to get a mortgage online, you are able to research and shop for the best lenders at your own pace. It means you no longer have to skip work just to physically visit a bank or a mortgage institution on a regular working day.

Furthermore, online mortgage lenders offer a number of intuitive online tools such as mortgage calculators to help clients evaluate the mortgage terms without having to talk to a mortgage broker. Moreover, online mortgage services also approve clients' mortgage applications online.

  1. Higher Chance for Approval

 A lot of people who are planning to get a mortgage through financial institutions get discouraged to pursue their applications due to their low credit scores. Banks and loan services often require clients to have a minimum credit score when getting a mortgage.

However, most online mortgage services offer more flexible requirements, and they also often accept applications from clients who are rejected by financial institutions.

  1. Stellar Support

The majority of online mortgage companies these days offer fast online support. Unlike banks and other financial institutions where you need to book an appointment ahead to meet a mortgage specialist, online mortgage firms have a team of customer support that can answer customer queries within a day.

Getting in touch with your chosen mortgage service is crucial as you may have concerns and questions that need clarification.


There you have it - those are some of the advantages you can enjoy when you choose to get a mortgage online.

5 Tips to Boost Your Retirement Savings


Retirement is the time of your life where you break-free from all the stress of your daily responsibilities. However, not everyone gets to live the retirement life they want.

If you want to be financially secured before you lay off your work, then you must need to know about life settlement. Here are a few tips for you to achieve that.

  1. Come up with a plan.

The first step to building financial security for retirement is a concrete plan. Many people make the mistake of not creating a written plan on how they can maximize their retirement savings.

Although writing down a plan seems like a very simple process, it will serve as your road map to achieve your financial goals. Furthermore, having a comprehensive plan provides you with the most important contexts to focus on and it will guide every decision you have to make.

  1. Start saving today.

It is very easy to come with a plan but some people may take a while to kick off with the essential steps to achieve their goals. A lot of people tend to procrastinate because they don't know where to start or they feel uncomfortable making financial decisions.

Procrastination kills time and it undermines your plans for a financially secured retirement. Thus, if you don't want to settle for less than what you have planned for the future, then you better get on with your plans ASAP.

  1. Regulate your spending.

The huge problem among most people is that they choose to spend more money to look wealthy rather than being wealthy. You may have a few people in your life who live a lavish lifestyle but are also in debt and don't have enough savings. This is because instead of saving money, they choose to spend it.

If you don't want to spend your retirement life in indebtedness then you must control your spending now. Live a life where your lifestyle is way below your income and not the other way around. Furthermore, doing this will give you extra capital to invest in other ventures.

  1. Review your life insurance policy.

Once you are close to your retirement age, take some time to review your insurance policy and figure out if you still need it or not. If you decided to choose the latter, you may opt for a life settlement transaction which means you'll sell your existing life insurance policy.

Just as any financial assent, your life insurance policy is also considered as your property, therefore, you have all the right to sell it.

  1. Picture the life you want after retirement.

Planning for your retirement should not only involve money; it should also include your health, your relationships, and the activities you are interested in engaging at that point in your life. To live a happy retirement, you must be financially secured, fit, and have healthy relationships.

When you are no longer at work, you must have some sort of endeavor to live for. At the same time, make sure to keep an eye on your health and invest time to nurture relationships.


Financial planning for retirement makes a huge difference; it helps you focus on your goals and learn new ways to maximize your savings.


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