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While the home refinancing steps in general are pretty much the same for everybody, there are always little differences, depending on who your new mortgage lender is, and the lender or lenders who will be paid out of your current loans. As a borrower, it is very important that you understand the home refinancing steps.

A crucial first step in refinancing your home will be to determine the current market value of your home. In an ideal world, this valuation would represent the price that you could obtain if you were to sell your home on the open market.

Unfortunately, in some parts of the country it can be very difficult to obtain market value when selling your home right now. The mortgage lender who will provide your new mortgage will decide on a valuation of your home against which they will be prepared to loan you money.

This valuation may be lower than you think it should be, or even lower than the amount you want to borrow. In this case, you may actually have to stop and rethink whether to go on with the rest of the home refinancing steps.

If there is a shortfall between the amount your new lender is willing to advance, and the amount you need to pay off the existing mortgages, then refinancing your home may not be the right option for you at this time.

If the valuation comes back at an acceptable level, then you can proceed with the rest of the home refinancing steps.

You will need to provide your new lender with documentation showing your income and expenses, and also showing the current mortgage or mortgages, and what is owing on them. Do not try to conceal if you have missed a payment on your current mortgage – be honest with your new lender or you could end up in much worse trouble down the track.

Your new lender will do a credit check, and let you know a settlement date. That is the day when the old mortgage or mortgages will be paid out, and your new mortgage will begin.

There is nothing complicated or difficult about the home refinancing steps, but if you don’t like paperwork and dealing with banks, you may find you are very relieved to reach the end! Many people find the home refinancing steps stressful, but if you have chosen wisely you will find the results are worth it.

By: Mark Bennett

A 100% home equity will allow you to borrow money from the value of your home that you can use for whatever you want. There are a number of uses for these loans and you can often receive lower interest rates than your credit cards, however the interest rate will generally be higher than your primary mortgage. A 100% home equity loan will allow you to borrow the complete value of your home.

There are some key documents that you will need to get approved for a 100% home equity loan. These documents include:

• The tax assessor’s home appraisal

• Your two most recent paycheck stubs from your employer

• Most recent mortgage statement

• The legal description of your property

• Current property insurance policy

• If you are self-employed, you will need to have your two most recent 1040 tax returns including all schedules

• W-2 or 1099 forms from the past 2 years


When you go to get approved for your home equity loan you will need to be prepared as to what additional costs may be involved. There is generally a fee for a property appraisal to estimate the value of your home. An application fee may or may not be refunded, especially if you are turned down due to bad credit. There are generally points that must be paid upfront. One point equals one percent of your credit limit. Closing costs may include attorney fees, title search, preparation, filing, property and title insurance and taxes.

Before you make your decision on your home equity loan you will need to include all of these costs into the loan and determine how much you are really going to be spending over the life of the loan. You may also want to consider shorter repayment periods, especially if you do not know how much longer you will be living in your home.

By: C.L. Haehl