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Dan Hubrich

NMLS ID 198767

801-808-4648 dan@mountainviewmortgage.com

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Blog Image: Should I Pay Off Student Loans with a Home Refinance?

Should I Pay Off Student Loans with a Home Refinance?

In today’s unpredictable COVID-19 employment environment, many Americans are feeling an economic pinch. Those who have student loans received temporary relief with the government CARES Act, but when that ends, some borrowers may be wondering how they are going to make their payments again. For homeowners, it may be possible to get a refinance loan to pay off all the student loan debt. But is this a smart solution? Pros of Paying off Student Loans with Refinance Money By taking out a refinance mortgage to pay off student loans, borrowers can consolidate their debts into one payment....

October 21st, 2020 | Refinancing a Home, Should I Pay Off Student Loans with a Home Refinance?

Blog Image: How Often Can I Refinance?

How Often Can I Refinance?

You refinanced your home mortgage a few months ago, but interest rates have dropped dramatically since that time. Or perhaps you have had a financial emergency pop up and it would be really helpful to tap some of your home equity with a cash-out refi. Is it possible to refinance again? And should you? Specific Loan Requirements While borrowers can refinance as many times as they want, there may be specific waiting periods based on your particular loan. For example, a “seasoning” period of six months is the standard wait for most conventional lenders. If you refinance with ano...

October 14th, 2020 | Refinancing a Home, How Often Can I Refinance?

Blog Image: Should I Refinance into a 15-year Mortgage Now?

Should I Refinance into a 15-year Mortgage Now?

Mortgage interest rates are at all-time lows right now. It’s obviously a great time to refinance for lower rates and payments. Perhaps you are interested in paying off your mortgage loan faster though. Is refinancing into a shorter loan a good idea right now too? Interest Savings A 15-year fixed rate home loan is a popular option for borrowers looking to be mortgage-free sooner. These shorter loans come with even lower interest rates than 30-year mortgages, allowing homeowners to save thousands in interest. For example, for a borrower with a home valued at $300,000 with a 20% down ...

August 26th, 2020 | Refinancing a Home, Should I Refinance into a 15-year Mortgage Now?

Blog Image: FHFA: Borrowers in Forbearance CAN Refinance

FHFA: Borrowers in Forbearance CAN Refinance

The onset of the COVID-19 crisis has forced millions of Americans into unemployment, resulting in over 4.1 million homeowners applying for mortgage forbearance. There has been plenty of confusion about how the rules of forbearance – a payment deferral plan – affect everything from credit scores to the ability to refinance or sell. Last week the Federal Housing Finance Agency announced changes to Fannie Mae and Freddie Mac forbearance policy that will allow borrowers to refinance out of their modified loans. In the past, mortgage loans in forbearance could not be refinanced for a...

May 27th, 2020 | Refinancing a Home, FHFA: Borrowers in Forbearance CAN Refinance

Blog Image: 4 Refinancing Mistakes to Avoid

4 Refinancing Mistakes to Avoid

Mortgage interest rates have been low for several years and have recently fallen near record-lows. While it is a great time to refinance your home loan, there are several mistakes to be sure to avoid during the process. Mistake #1 - Assuming You Can Get Yesterday’s Rate Today If you’ve seen mortgage rates drop recently, you may figure that rate will be available for several days. The truth is that mortgage rates fluctuate daily. When you find that rates have dropped low enough to make refinancing worthwhile, you may want to consider locking in your rate with a lender. So...

April 29th, 2020 | Refinancing a Home, 4 Refinancing Mistakes to Avoid

Blog Image: 5 Strategies for Paying Your Mortgage Off Early

5 Strategies for Paying Your Mortgage Off Early

Whether you want to save on interest payments, avoid debt in retirement or just feel the thrill of complete ownership, there are plenty of reasons to pay off your mortgage loan early. Yet because a house is typically the largest purchase most Americans make, an early pay-off may seem impossible. Instead of choking on that enormous goal, here are five bite-size strategies to help you succeed little by little. Make One Extra Payment Per year If you can make 13 payments a year instead of 12 you can shorten your mortgage by years. You could consider putting your entire tax refund or any an...

March 4th, 2020 | Refinancing a Home, 5 Strategies for Paying Your Mortgage Off Early

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