{"id":406,"date":"2023-01-02T17:38:55","date_gmt":"2023-01-02T17:38:55","guid":{"rendered":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/?p=406"},"modified":"2023-08-02T17:17:11","modified_gmt":"2023-08-02T17:17:11","slug":"considering-a-new-lender-when-refinancing-a-home","status":"publish","type":"post","link":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/2023\/01\/02\/considering-a-new-lender-when-refinancing-a-home\/","title":{"rendered":"Considering a New Lender When Refinancing a Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"406\" class=\"elementor elementor-406\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-89c0066 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"89c0066\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78e109d5\" data-id=\"78e109d5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29b96345 elementor-align-center elementor-widget elementor-widget-post-info\" data-id=\"29b96345\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\"><link rel=\"stylesheet\" href=\"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-theme-elements.min.css\">\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-0534959 elementor-inline-item\" itemprop=\"commentCount\">\n\t\t\t\t\t\t<a href=\"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/2023\/01\/02\/considering-a-new-lender-when-refinancing-a-home\/#respond\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-folder\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-comments\">\n\t\t\t\t\t\t\t\t\t\tNo Comments\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11ab20dc elementor-widget elementor-widget-heading\" data-id=\"11ab20dc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.16.0 - 13-09-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Considering a New Lender When Refinancing a Home<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-335263da elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"335263da\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-43305e55\" data-id=\"43305e55\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-446cdb8e elementor-widget elementor-widget-heading\" data-id=\"446cdb8e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 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href=\"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/2023\/05\/30\/the-ins-and-outs-of-commercial-real-estate-loans-a-guide-for-investors\/\" >\n\t\t\t\tThe Ins and Outs of Commercial Real Estate Loans: A Guide for Investors\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tMay 30, 2023\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\n\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-4aac47b0\" data-id=\"4aac47b0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-437d4a5d elementor-align-center elementor-widget elementor-widget-post-info\" data-id=\"437d4a5d\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-cd497ae elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/author\/trichelle-hardy\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t<span class=\"elementor-post-info__item-prefix\">Written by<\/span>\n\t\t\t\t\t\t\t\t\t\tTrichelle Hardy\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-43f4b6b elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t<span class=\"elementor-post-info__item-prefix\">Publish on<\/span>\n\t\t\t\t\t\t\t\t\t\tMay 30, 2023\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1650a0 elementor-widget elementor-widget-text-editor\" data-id=\"e1650a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.16.0 - 13-09-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\tWhen people refinance their homes, they often want to stick with the mortgage lender they already have. Many homeowners grow accustomed to whatever agreement they signed on to before. Switching things up can appear risky and intimidating, especially when a mortgage is being swapped out.\n<br><\/br>\nHowever, refinancing gives homeowners a chance to find a lender who offers better deals. No matter how satisfied a person is with the current framework, it\u2019s not good to miss on real estate investment opportunities.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2e2dd7 elementor-widget elementor-widget-heading\" data-id=\"c2e2dd7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Closing Costs\n\n<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc627af elementor-widget elementor-widget-text-editor\" data-id=\"cc627af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tOne of the most daunting aspects of refinancing is the accumulation of closing fees. Title searches and home appraisals are just a few services a lender can charge the borrower for, and these fees can be very high. While some lenders may offer discounts to retain a client, it\u2019s wise for a homeowner to peruse the market and look for more reasonable closing fees. Especially when credit is offered to cover some of the fees, there are probably lower interest rates out there.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da9e06b elementor-widget elementor-widget-heading\" data-id=\"da9e06b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage Rates\n\n<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed952af elementor-widget elementor-widget-text-editor\" data-id=\"ed952af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tMany homeowners don\u2019t see anything wrong with their mortgage rates until they have a reference point. Also, shopping around can be time-consuming. But all the homeowner really has to do is speak to about three lenders and compare quotes. This should give enough information on what the best option is.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cec795c elementor-widget elementor-widget-heading\" data-id=\"cec795c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Application\n\n<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd17206 elementor-widget elementor-widget-text-editor\" data-id=\"bd17206\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tPeople often think that if they stick with the servicer they\u2019ve been with, they won\u2019t have to do as much work when refinancing. The truth is that the application process is usually just as comprehensive with new lenders as it is with a current lender. Oftentimes a person\u2019s loan servicer doesn\u2019t offer mortgage refi rates, and when it does, a lot of paperwork is involved. Switching lenders is not as arduous as it may seem, and in some cases, application is actually easier.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d8a54 elementor-widget elementor-widget-heading\" data-id=\"18d8a54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">General Services\n<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-092dee5 elementor-widget elementor-widget-text-editor\" data-id=\"092dee5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tSometimes homeowners don\u2019t feel comfortable working with an unfamiliar lender. Especially when it comes to a real estate investment, a person wants to work with someone trustworthy. However, just like with rates and fees, it\u2019s hard to judge a lender\u2019s general services when there\u2019s no other lender to compare with. A homeowner should consider the loan officer\u2019s responsiveness, focus, and informativeness. There might be other lenders who treat their clients better overall.\n<br><\/br>\nOf course, there are times when a person should stick with his or her current lender. It\u2019s just important to look around when refinancing. Better alternatives can help a person reap the rewards of a real estate investment and save time, money, and energy.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Latest Article When people refinance their homes, they often want to stick with the mortgage lender they already have. Many homeowners grow accustomed to whatever<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-406","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/posts\/406","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/comments?post=406"}],"version-history":[{"count":10,"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/posts\/406\/revisions"}],"predecessor-version":[{"id":1330,"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/posts\/406\/revisions\/1330"}],"wp:attachment":[{"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/media?parent=406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/categories?post=406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hostedbyexpresso.com\/clients\/prmcapital\/wp-json\/wp\/v2\/tags?post=406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}