Oklahoma Mortgage Insider is an easy way for you to navigate the world of home financing and get some straight, simple answers to your mortgage related questions and be sure you are using the right person to help you achieve your goals. It seems every other site on the internet is packed full of APPLY. If you talk to 10 lenders, you'll probably get 13 different answers to this question.
At the end of the day, it might make sense for one person to refinance, while it might not for another. One of the many ways to look at it is simply; does it help my financial situation? So often I see lenders in our market and many other national markets who so heavily pride themselves on closing on time. Their chests swell with pride and they speak of the "on time close" like it is some fabled creature that only they have managed to tame.
Here is the reality. A LOT of. It was bound to happen, but here it is and of course it is no fun at all. By now most people have heard from the news, their neighbors or the incessant stream of commercials that rates on mortgages have risen.
At the end of the day, it might make sense for one person to refinance, while it might not for another. One of the many ways to look at it is simply; does it help my financial situation? So often I see lenders in our market and many other national markets who so heavily pride themselves on closing on time. Their chests swell with pride and they speak of the "on time close" like it is some fabled creature that only they have managed to tame.
Here is the reality. A LOT of. It was bound to happen, but here it is and of course it is no fun at all. By now most people have heard from the news, their neighbors or the incessant stream of commercials that rates on mortgages have risen.
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Hi, my name is Matt Brown.
I want to give you a little insight into me and what makes me different than every other mortgage guy out there.
I grew up here in Oklahoma City, went to Bishop McGuinness High School and later received my BBA in International Business & Trade from the University of Central Oklahoma.
I started in the mortgage industry back in 2001 and over the past 18 years have seen numerous changes to how the industry is regulated and how loans are originated.
The industry has come so very far since those days.
I want to give you a little insight into me and what makes me different than every other mortgage guy out there.
I grew up here in Oklahoma City, went to Bishop McGuinness High School and later received my BBA in International Business & Trade from the University of Central Oklahoma.
I started in the mortgage industry back in 2001 and over the past 18 years have seen numerous changes to how the industry is regulated and how loans are originated.
The industry has come so very far since those days.
So often I see lenders in our market and many other national markets who so heavily pride themselves on closing on time.
Their chests swell with pride and they speak of the "on time close" like it is some fabled creature that only they have managed to tame.
Here is the reality.
A LOT of.
A LOT of people close time.
It is our job to close on time.
Now clearly there are those in any market who don't close on time, you know who they are, heck even they know who they are, but many quality local lenders are well versed in their craft and can ensure that the deal closes on time.
Their chests swell with pride and they speak of the "on time close" like it is some fabled creature that only they have managed to tame.
Here is the reality.
A LOT of.
A LOT of people close time.
It is our job to close on time.
Now clearly there are those in any market who don't close on time, you know who they are, heck even they know who they are, but many quality local lenders are well versed in their craft and can ensure that the deal closes on time.
Oklahoma Mortgage Insider is an easy way for you to navigate the world of home financing and get some straight, simple answers to your mortgage related questions and be sure you are using the right person to help you achieve your goals.
It seems every other site on the internet is packed full of "APPLY NOW" buttons and flashing, dancing taglines such as "YOU'RE PRE-QUALIFIED!" and "OWN A HOME WITH $2.45 DOWN!"
These sites often provide little information and the main goal is to get your social security number and phone number so that you can get phone calls from 6 different mortgage brokers the second you sit down for dinner.
It seems every other site on the internet is packed full of "APPLY NOW" buttons and flashing, dancing taglines such as "YOU'RE PRE-QUALIFIED!" and "OWN A HOME WITH $2.45 DOWN!"
These sites often provide little information and the main goal is to get your social security number and phone number so that you can get phone calls from 6 different mortgage brokers the second you sit down for dinner.
Interest rates are influenced by current economic conditions and activity and they often adjust a couple of times a day.
These changes can be attributed to the current demand for credit.
As the demand for credit increase, rates do as well.
Another way to gauge rate fluctuations is by watching the stock market.
A good, but basic, rule of thumb is that if the stock market is doing well and going up, then there is a good chance rates are going up as well.
Put simply, if people are putting their money into the market, then rates will rise to try attract investors out of the market and back into mortgage securities.
These changes can be attributed to the current demand for credit.
As the demand for credit increase, rates do as well.
Another way to gauge rate fluctuations is by watching the stock market.
A good, but basic, rule of thumb is that if the stock market is doing well and going up, then there is a good chance rates are going up as well.
Put simply, if people are putting their money into the market, then rates will rise to try attract investors out of the market and back into mortgage securities.
It was bound to happen, but here it is and of course it is no fun at all.
By now most people have heard from the news, their neighbors or the incessant stream of commercials that rates on mortgages have risen.
By and large the increase has been.5-.75% on any given.
Ahh, good ole points.
Often people ask about points without truly understanding what they are or how they can help or hurt you.
Points are essentially our industry's way of saying percentage points.
They are used for one reason; to compensate the lender for writing the loan.
By now most people have heard from the news, their neighbors or the incessant stream of commercials that rates on mortgages have risen.
By and large the increase has been.5-.75% on any given.
Ahh, good ole points.
Often people ask about points without truly understanding what they are or how they can help or hurt you.
Points are essentially our industry's way of saying percentage points.
They are used for one reason; to compensate the lender for writing the loan.
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