QUICKEN LOANS GUIDE. Refinancing
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1 QUICKEN LOANS GUIDE Refinancing
2 Home Loan U is a free educational series from Quicken Loans, created to help you make the most of your home, and home financing, at every stage of life.
3 TABLE OF CONTENTS A Short Course in Refinancing Your Mortgage Prep School: Do the Math:... 6 Do Your Research:... 7 Study Guide:... 8 Learning from Others:... 9 Never Stop Learning:...10 Contacts at a Glance quickenloans.com
4 PREP SCHOOL: WHY REFINANCE? YOUR INTRODUCTORY COURSE FOR MAKING THE HOME LOAN DECISION THAT S RIGHT FOR YOU Your Mortgage Interest Rate Is Higher than the Current Market Interest Rate You re Planning to Stay in Your Home for Several Years You Want to Pay Off Your Mortgage Sooner You Have an Adjustable Rate Mortgage and You Want to Lock in a Fixed Rate 4 quickenloans.com
5 You Have Other Debt You Need to Reduce You Want to Make Home Improvements You Have College Tuition to Pay - Your Credit Score Has Improved *EXTRA CREDIT* Want to find out if refinancing could save you money? Visit Quizzle.com, the free online tool for homeowners. You ll get the need-to-know info on which home loan is best for you all without ever giving out your social security number. *RAISE YOUR HAND* Have more questions about how to improve your credit? You can find the answers in the Home Loan U Guide to Managing Your Credit. You ll get a crash course in understanding credit, the secrets to acing your credit report, and so much more! 5 quickenloans.com
6 DO THE MATH: EQUITY + YOU = POWER HOW REFINANCING TO USE THE EQUITY IN YOUR HOME CAN WORK FOR YOU Home Equity, Defined home. Straight to the Head of the Class: Getting the Home Equity Advantage Refinancing Your Mortgage, with Cash Out *EXTRA CREDIT* Get in control of your finances: If you have debt, or upcoming debt, write down exactly what expenses you need to cover and when you have to pay it. If you lay out your expenses in front of you, it s easier to gain control of your debt. Before you pay off debt, you need to know how much there is to tackle. Don t guess, Know at Quizzle.com. Quizzle will give you personalized tips and tricks to help you eliminate debt for good. 6 quickenloans.com
7 DO YOUR RESEARCH: GO BIGGER OR GO HOME? DECIDING WHETHER TO SHOP FOR A BIGGER HOUSE OR TO ADD ON TO THE HOME YOU RE IN decide. What to Consider: Raise Your Hand: Is It Worth It? *EXTRA CREDIT* Crunch your numbers! Don t guesstimate when it comes to big financial decisions. You could save a lot of money by pricing out additions instead of just picking up and moving. If you need help with the numbers, your home loan expert can help figure out what s right for you. 7 quickenloans.com
8 STUDY GUIDE: THE SHORT COURSE IN HOME LOAN OPTIONS Long-Term Mortgages: 20, 25, 30 and 40-Year Fixed-Rate Mortgages - Shorter-Term Mortgages: 10 and 15-Year Fixed-Rate Mortgages 8 quickenloans.com
9 LEARNING FROM OTHERS: CASE STUDIES IN REFINANCING AS THE SOLUTION TO FINANCIAL HURDLES Case Study #1: Credit Crunch SOLUTION: Case Study #2: Tuition Fruition SOLUTION: Case Study #3: Uneven Income, Smooth Refi SOLUTION: 9 quickenloans.com
10 NEVER STOP LEARNING: COUNT ON QUICKEN LOANS FOR LIFE powered by 10 quickenloans.com
11 CONTACTS AT A GLANCE QUICKEN LOANS quickenloans.com 11 quickenloans.com
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