Finance Articles

Connecticut Mortgage Loan Refinancing: Tips On Choosing The Right Mortgage Program To Avoid Paying Through The Nose

Emotional involvement will be the biggest obstacle that most Connecticut homeowners face when applying for a refinance home loan mortgage. The problem is that when you meet with your mortgage lender to get a Connecticut refinance mortgage you will most likely become too emotionally invested in the process.

Don't get me wrong?you should be emotionally invested in the process, but you should always be able to take a step back and evaluate your goals and the costs that you will pay.

A great tool to help you slow down and think objectively while learning the true cost of your new mortgage payment is a Connecticut home mortgage calculator. Then you can wisely shop around to get a low interest rate mortgage in Connecticut, but be aware that you will have to constantly overcome your emotional triggers that tell you that you can afford to pay a mortgage payment that requires three of your four monthly paychecks.

The three major issues that we are seeing in Connecticut are homeowners who are applying for refinances are homeowners who?

...have two to three mortgages already ...have no equity in their home ...owe more on than the appraised value (this is called negative equity)

Those three issues can be mainly attributed to homeowners not making sound decisions. Before every spending decision you have to ask yourself the question: "Will this increase the resale value of the home?"

It's easy to get caught up in the emotion of the moment and start doing things to (and spending money on) a house to make it special just for you. And you should definitely make your house a home...within reason. My advice is to only put money into things that make the home appreciate.

For example...

Instead of adding a paved basketball court. Paint the bedroom walls a nice neutral color

Instead of adding a custom storage shed under your favorite tree. Install new flooring or hardwood floors

Instead of purchasing unneeded expensive furniture. Add professional landscaping around your home

If you follow the simple advice offered here you should be able to weather the home value storm that is brewing in our fine state.

Chris Rivers, a Connecticut mortgage broker, specializes in offering low interest rates for a Connecticut refinance mortgage after bankruptcy even if you have 30, 60 or 90 day lates on your mortgage and late payments on other accounts. When you need to refinance your Connecticut adjustable rate home mortgage into a fixed rate mortgage visit http://www.ctmortgageplanners.com/ for a Connecticut FHA Mortgage.

Get your FREE list of Connecticut mortgage lenders for homeowners with unlimited mortgage lates and low, bad or no credit at http://www.connecticutchapter13bankruptcy.com/optin.html

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