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Learning Center

Have a specific mortgage question? Or are you just looking for some general financing information. Either way, you’ve come to the right place.

We've pulled together articles on refinancing, debt consolidation and purchasing to make your life a little easier. You also have direct access to a whole list of calculators to explore and use. Because, in the end, we know you've got enough stress to worry about, so we've tried to remove as much as possible from the mortgage process.

Refinance 101

Start With The Basics

Refinance FAQs
Got a refinancing or general mortgage question? You can bet we have the answer. Check out this section to quickly get the lowdown on many of the most common mortgage questions.
Understanding Rate Fluctuations
Think The Fed is the sole controller of mortgage interest rates? Think again. This page lays out the multitude of agencies, indexes and other variables that interplay to set mortgage rates. After reading, you’ll know why interest rates seem to change daily.
What’s Your Home Worth?
It’s the question every homeowner likes to know. Here, we’ll spell out all the factors that come into play in determining the value, as well as the best resources to contact if you need an official valuation conducted.
Credit And You
What’s considered perfect credit? And what puts the "bad" in bad credit? Here’s your chance to read up on the different credit categories and how the risk level of each affects what home loan programs may be available.

Loan Options & Comparisons

Ways To Refinance
Read this article to get a basic understanding of the four main refinancing plans: fixed-rate, adjustable-rate, interest-only and cash-out. It’s a quick and easy read that will provide a map to the path to refinancing your home.
Interest-Only Mortgages
For some people – especially those who need a lower initial monthly payment or have inconsistent monthly income – refinancing into an interest-only loan could be a perfect fit. Read on to find out whether this type of loan could help you out.
Getting Cash Out Of Your Home
We pit the three most common ways of extracting home equity against each other. You’ll learn the "ins and outs" of each and the different scenarios each is best suited for.
Fixed-Rate Mortgages vs. Adjustable-Rate Mortgages
If you’re in the market to refinance your mortgage, you’ve definitely heard these very common loan terms. What we’ve done is summarize, compare and contrast them to ensure that you have the knowledge you need moving forward.
FHA Basics
What’s an FHA loan? Can I get one as a refinance loan? Is this a government loan? You’ll get answers to these questions and a bunch more in this article.
Appreciating America
The subprime crisis has hit home for many, literally. However, we’ve created a plan, which gives hope to those that need it the most. Read on to learn how this program could save the homes of many, many Americans.
Debt Consolidation: Smoothing Out The Cash Crunch
It’s all too easy to overspend. Now, you’ll understand how it may be just as easy to wrap your debt into a neat little package with a single monthly payment.

Checklists & Breakdowns

A Checklist For Getting Your Refinance Started
Copies. Copies. Copies. You’ll need a bunch of these, such as of your W-2, driver’s license, most recent bank statement and many more. Don’t worry though, with this handy checklist you’ll know exactly what you’ll need as you get started.
The Importance Of The Good Faith Estimate (GFE)
Not just a good reference, but a great one. This article gives you a nuts and bolts look at what exactly a Good Faith Estimate (GFE) is, and how very important it is as “THE” resource for comparing lenders and educating yourself on a loan’s details.
Closing Cost Breakdown
If you’ve sat through a closing before, you know how overwhelming the occasion may be if you’re not prepared. In this article, we’ll go over the HUD-1 form you’ll be presented and provide the who, what, when, where and how for each line.
Glossary
Our comprehensive list of all finance related terms. If you don’t know what a word, phrase or acronym is, you can bet that we do and have included it here.

As always, our expert loan consultants are ready and waiting at 1-800-734-REFI to answer any further refinancing questions you still may have.

Debt Consolidation 101

Start With The Basics

Debt Consolidation FAQs
Got a debt consolidation or general mortgage question? You can bet we have the answer. Check out this section to quickly get the lowdown on many of the most common debt consolidation and mortgage questions.
What’s Your Home Worth?
It’s the question every homeowner wants to know. In this article, we’ll spell out all the factors that come into play in determining your home’s value, as well as the best resources to contact if you need an official valuation.
Credit And You
What’s perfect credit? And what puts the "bad" in bad credit? Now’s your chance to read up on the different credit categories and how the risk level of each affects what home loan programs may be available.

Loan Options & Comparisons

FHA Basics
What’s an FHA loan? Can I get one as a refinance loan? Is this a government loan? You’ll get answers to these and a bunch more in this article.
Debt Consolidation: Smoothing Out The Cash Crunch
It’s all too easy to exceed your budget. Now, you’ll understand how it may be just as easy to wrap your debt into a neat little package with a single monthly payment through debt consolidation.
Getting Cash Out Of Your Home
We pit the three most common techniques for extracting home equity against each other. You’ll learn the "ins and outs" of each of these debt consolidation methods and which one might be better suited for you.

Checklists & Breakdowns

A Checklist For Getting Your Debt Consolidation Started
Copies. Copies. Copies. You’ll need a bunch of these, such as of your W-2, driver’s license, most recent bank statement and many more. Don’t worry though, with this handy checklist you’ll know exactly what you’ll need as you get started.
The Importance Of The Good Faith Estimate (GFE)
This article gives you a nuts and bolts look at what exactly a Good Faith Estimate (GFE) is, and how it’s your ultimate reference when comparing the small print of different debt consolidation loans.
Closing Cost Breakdown
If you’ve sat through a closing before, you know how overwhelming the occasion may be if you’re not prepared. In this article, we’ll go over the HUD-1 form and the important things to know about each line in it.
Glossary
Our comprehensive list of all finance related terms. If you don’t know what a word, phrase or acronym is, you can bet that we do and have included it here.

As always, our expert loan consultants are ready and waiting at 1-800-734-REFI to answer any further refinancing questions you still may have.

Purchase 101

Start With The Basics

Home Purchase FAQs
Got a purchasing or general mortgage question? You’ve come to the right place. Check out this section to find the answers to the most frequent mortgage questions.
Understanding Rate Fluctuations
Do you think The Fed completely controls the direction of mortgage rates? Think again. This page details the multitude of agencies, indexes and other variables that each have a hand in setting mortgage rates. After reading, you'll understand why mortgage rates change constantly.
What Determines A House's Price?
It’s the question every purchaser wants to know. Here, we'll lay out everything that factors into determining a home's value, and the points of contact if you need an official valuation conducted.
If You Can Rent, Then It's Time To Buy
It’s the American Dream – to own your own home. And there’s no better time than now to make a home purchase a reality. Click here to see the advantages of buying a home right now.
Credit And You
What is perfect credit? And what puts the "bad" in bad credit? Here’s your chance to read up on the different credit categories and how the risk level of each affects what home loan programs may be available.

Loan Options & Comparisons

Ways To Purchase
Read this article for a fundamental understanding of the three most common home purchase financing options: fixed-rate, adjustable-rate and interest-only. It’s a short, simple read that will give you the basic plans for purchasing your new home.
FHA Basics
What’s an FHA loan? Can I get one if I can only supply a small down payment? Is this a government loan? You’ll get answers to these and many others in this article.
Interest-Only Mortgages
For certain individuals – especially those who require a lower initial monthly payment or have inconsistent monthly income – interest-only loans could be an excellent option. Read on to find out whether this type of loan could fit your situation.
Fixed-Rate Mortgages vs. Adjustable-Rate Mortgages
If you’re out there looking for a mortgage, you’ve heard about these very common loan terms. What we’ve done is summarize, compare and contrast them to make sure you have the essential information you need.

Checklists & Breakdowns

A Checklist For Getting Your Purchase Started
Copies. Copies. Copies. You’ll need a bunch of these, such as of your W-2, driver’s license, most recent bank statement and many more. Don’t worry though, with this useful checklist you’ll know exactly what you’ll need before you begin the process.
The Importance Of A Good Faith Estimate (GFE)
Not just a good reference, but a great one. This article gives you the lowdown on even the smallest points of the Good Faith Estimate (GFE), and how very important it is as the ultimate resource for comparing lenders and educating yourself on a home loan’s details.
Closing Cost Breakdown
If you’ve been through a closing before, you know how stressful the occasion may be if you’re not prepared. In this article, we’ll go line-by-line over the HUD-1 form you’ll be presented and spell out all the details for you.
Glossary
Our complete laundry list of all finance related terms. If you don’t know what a word, phrase or acronym is, you can be that we do and have included it here.