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California Home Loan Mortgage Refinancing Article

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California Home Loan Mortgage Refinancing Information

California home loan mortgage refinancing lenders are more than happy to offer you their quotes. Most California mortgage brokers can offer you their refinancing comparison information from all the major lending institutions. You can also find quotes online. The online process is quick and easy; just fill out the forms online and within 24 hours you will receive up to 4 of the best California home loan mortgage refinancing quotes.

The forms that brokers use to obtain California home loan mortgage refinancing quotes may ask certain questions about you. They may ask about your employment, and if you are self employed you may or may not be asked to provide them with a copy of your income tax return. You may be asked about your credit history, and if you have filed bankruptcy in the last 10 years. All these factors determine what the lender’s quotes will be. The quotes are not the actual offer, but just a ballpark figure.

California home loan mortgage refinancing lenders have programs that are backed by the FHA and the VA, such as CalPERS and CalSTRS. CalPERS offers California home loan mortgage refinancing that is backed by the Fannie Mae foundation, and the term of this loan can be from 10 to 30 years. There is a minimum of a 3 percent down payment required. CalSTRS offers California home loan mortgage refinancing with down payment assistance. There are two loans, the first one is paid for 5 years, and then at the beginning of the 6th year the second loan kicks in. A CalSTRS loan terms are set up in 15 or 30 year terms.

Most California home loan mortgage refinancing lenders require mortgage insurance, unless you have a down payment of at least 20 percent of the loan value. This is a type of life insurance policy that will pay the note off in case the borrower should die. The mortgage insurance can be set up if either a husband or wife should die, if both names are on the contract, the loan will be paid in full.

Most lenders require title insurance, which is figured in with the closing costs, which protects against anyone laying claim your property title. You will also be require to have hazard insurance that protects your investment from flood, fire, earthquakes, and any other covered hazards.

If you are applying for California home loan mortgage refinancing you may need documentation such as your credit reports, and documentation of your home’s appraisal. You may have to verify your income. If your down payment is large enough you may not have to verify your assets. When you find the most attractive quote, go to your lender and get your refinancing started.