Articles About Finance And Refinancing

LendingTree.com Examines the Right Time to Refinance an ARM

Charlotte, NC (PRWEB) November 16, 2007 -- LendingTree.com offers quick tips to help you decide if now is the right time to refinance.

If the circumstances are right, there can be many benefits to refinancing an ARM. If you're like most people, you probably opted for an adjustable rate mortgage (ARM) (http://www.lendingtree.com/smartborrower/Mortgages/Adjustable-rate-mortgages-ARMs.aspx) when interest rates were low. As a mortgage rate reset might be in your future, however, you may be wondering if refinancing could save you money. Here are some quick tips to help you decide if now is the right time to refinance:

?    If current interest rates are 1.5 to 2 percent lower than what either your current rate is or what your will be after your loan resets, it could be the right time for you to look at refinancing. If the rate difference is any smaller, your savings will likely be offset by any closing costs.

?    Be sure to take into account all of the related charges of refinancing your mortgage, such as closing costs. These fees could delay when you may start seeing savings. LendingTree.com offers an online refinancing calculator (http://www.lendingtree.com/smartborrower/Refinance-calculators/Refinancing-calculator.aspx) to help you determine how long it will take to break even.

?    You may want to consider refinancing an ARM to a fixed-rate mortgage if interest rates are starting to rise and look like they might stay at the higher rates.

A lower interest rate, a smaller monthly mortgage payment, and even the opportunity for a more stable, fixed-rate loan payment are a few of the benefits that come from refinancing an ARM. Do you homework and see if finding a new mortgage is the right answer for you.

For more information on refinancing your mortgage, please visit the LendingTree Smart Borrower Center (http://www.lendingtree.com/smartborrower/default.aspx).

About LendingTree, LLC

LendingTree, LLC is the nation's number one online lending exchange, providing a marketplace that connects consumers with multiple lenders that compete for their business. Since inception, LendingTree has facilitated more than 20 million loan requests and $152 billion in closed loan transactions. LendingTree provides access to mortgages and refinance loans, home equity loans/lines of credit, auto loans, personal loans, credit cards and high-yield savings accounts via www.lendingtree.com and 800-555-TREE.

Launched in 1998 with headquarters in Charlotte, North Carolina, LendingTree, LLC also owns and operates LendingTree Loans sm, LendingTree Settlement Services, LLC, GetSmart®, and HomeLoanCenter.com. LendingTree, LLC is an operating company of IAC.

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