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Keith Gumbinger Quotes
«The question you need to ask yourself is, why would a bank be pitching you this product at this time? The obvious answer is that bankers believe rates will rise in the future. Getting you out of a fixed loan and into a variable one helps ensure profitability on your account.»
Author: Keith Gumbinger
«These loans can be of value for people who want to save or invest the money they would have paid in principal, ... Unfortunately, the way the product has been pitched, borrowers have been encouraged to stretch their budget to buy more house.»
Author: Keith Gumbinger
«There are a variety of methods by which bridge loans are made.»
Author: Keith Gumbinger
«It certainly could cause a change to the marketplace, ... But you're trying to talk about whether the 14th card might fall when first one hasn't fallen yet.»
Author: Keith Gumbinger
«In many markets, it's possible to borrow at prime or even a quarter to a half a percentage point below prime.»
Author: Keith Gumbinger
«If you're making a pre-payment on your mortgage principal, ultimately you'll pay less interest,»
Author: Keith Gumbinger
«Someone who will be out of their home within five years to seven years can save some money with an ARM. But you have to be aware of the reality that interest rates are likely to be somewhat to significantly higher in three years, five years, 10 years down the road from today.»
Author: Keith Gumbinger
«You could go to almost any lender and for no fees find yourself with a decent rate.»
Author: Keith Gumbinger
«[If you plan to be in your house for decades, on the other hand, you might consider paying points to lock in the best long-term rates. Points, which cost one-half of a percent to 1 percent of the loan and are paid up front, let you buy a better interest rate.?] If you pay points up front, it's harder to get your money back, ... When rates are high, borrowers have to pay points to trim rates any way they can, but with rates so low there is really no need to pay those points.»
Author: Keith Gumbinger
«This is very popular right now because it lets you draw some money out of your home and improve cash flow. If you do this, resist the temptation to draw too much equity out of your home.»
Author: Keith Gumbinger