Refinance Your Today Mortgage Today!

ZFG Mortgage: Toll Free 1-877-205-7266
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146

Simply put, there has never been a better time to refinance your existing mortgage. Call us today to see if refinancing your mortgage is right for you.

http://www.youtube.com/watch?v=5y7V5trYmik

Additional Information: How lenders set rates.

Generally speaking, the most commonly asked question in the mortgage industry is this, �How do lenders set mortgage rates?� And the answer is simple, �Lenders do no set mortgage rates?�

Well, if lenders don�t set the rates, who does?

And here is how it works my friends. Your mortgage lender will determine whether they will approve you or not for a loan and on what terms your loan will be approved (based on your credit score, reputation etc�), however the actual mortgage rates and interest rates are determined based on a variety of market factors on the secondary market (and fun place where mortgages are bought and sold).

As disturbing as this may sound, the Federal government setup 2 incredibly infamous organizations (as of 2008) known as Fannie Mae and Freddie Mac (I don�t know why they didn�t name on them Bernie Mac). Fannie and Freddie were created many moons (decades) ago to help really stimulate the lending process through increased government efficiency (which is a contradiction in terms). Fannie and Freddie and a few other major Wall Street Mortgage Investment companies would then actually go around buying up the loans that your lender has made to people like you and me. These mortgages and loans were then bundled together into this exciting things called �tranches.� These tranches were then either held as part of an investment portfolio orthey were sold to Wall Street, mutual funds, and other financial investment organizations where they were then traded just like Treasury bonds and securities.

Are you following me here?

• Government set up Freddie Mac and Fannie Mae to increase the efficiency of the private mortgage industry (government and efficiency just don�t mix well together)
• Freddie and Fannie then bought these mortgages, bundled them together and sold them to Wall Street where they were bought up my mutual funds and various other investment groups. Thus when foreclosures began happening, Mutual Funds nose-dived. When scared investors began pulling their cash out of the Mutual Funds the other companies� stock held by these Mutual Funds nose-dived as well resulting in �real� people get layed off from �real� jobs as their companies became cash strapped without their investor�s capital.

Back to the story�

Zeshu Financial Group
5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

Thus my reader friends, interest rates go up and down based on those exciting fluctuations of the secondary market, not based on the lender�s emotions or feelings on any given particular day. Essentially when the economy is going down (and is tanking like a �Sherman�) rates will drop to get people like you and me motivated to refinance our homes, and to buy things with this �cheap money.� When the economy is bullish (and is moving upward like Lebron James jumping up for a monster dunk) the investors and various other humans who stand to benefit from this bullish economy will raise their rates to maximize their investor�s profitability during an economic upswing.

Basically patterns for interest rates almost always follow the economic cycles that we have all grown accustomed to. When the market doing well, rates go up. When the market is doing poorly rates go down. Thus, the best time to get the best rate is when the market is down (which just happens to coincide with the best time to buy the most property for the least amount of money).

Written by Clay Clark

SBA Entrepreneur of the Year and Founder of DJ Connection

ZFG Mortgage: 5807 S Garnett Rd Suite I
Tulsa, Oklahoma 74146
Toll Free 1-877-205-7266 | Fax: 918-459-6535

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Tulsa Mortgage Refinancing – ZFG Mortgage Tulsa

 

ZFG Tulsa Mortgage Company

 5807 S Garnett Rd Suite I

Tulsa , Oklahoma 74146 Toll Free 1-877-205-7266

At ZFG we recognize that deciding to refinance your home can be a very stressful situation that is often filled with new terms, and financial lingo that the average American does not use on a daily basis. Thus, to make your home refinancing process easier (and as close to stress free as possible), we have put together the following mortgage refinancing steps:

Step 1: Should you even refinance your mortgage at this point.

Although there are numerous situations where refinancing your home could make alot of sense, there are many situations where refinancing does not make sense. Example: Some of our customers have found that they were able to save thousands of dollars in interest payments on the life of the loan, however some of our potential customers have discovered that the refinancing costs and fees associated with refinancing their loan negated the savings that they would ultimately realize by refinancing.

Step 2: Ask yourself the following questions:

1) Why I am looking to refinance my existing home mortgage? (home equity, consolidating debt, reducing my monthly payment)

Step 3: Make sure that you are completely aware of the potential hazards associated with refinancing your home loan.

The mortgage industry is filled with many quality and less than quality lending institutions. Most lending companies are focussed on sincerely taking care of their customers to build a life-long relationship, however (just like in our sectors of our economy) there are some predatory lending companies out there. Thus, a dishonest brokerage company might look to take advantage of your financial situation by complicating your lending process and by attempting to talk over your head by using industry jargon, and hidden fees.

Step 4: Look for a broker that you can trust (ZFG Mortage Lenders…Hint, Hint & Shameless Plug).

In all sincerity, whether you decide on using Zeshu Tulsa Mortgages or not, you need to look for a broker that is 100% honest with you 100% of the time. Look for a broker that actually follows through on his small committments so that you know that they will follow through on the major committments.

Step 5: You need to familiarize yourself with the various mortgage types.

Home loans and mortgages come in variety of different packages (each with its own terminology, benefits and drawbacks). Every home loan has a different purpose, but all home loans were created to generate additional revenue for banks. Trust us, there are no loans designed that will not make money for the banks. The type of loan that will work best for you depends on your unique financial situation, your ability to make a large down payment or not, your credit score, the current interest rate, and various other factors (such as your debt to income ratio, etc…)

Step 5: Find a mortgage broker.

Make the calls, and make some more calls until you find a broker whom you can trust. Look for a broker with history of ethical behavior and mindset that puts you and your unique needs ahead of their profits. We are all in business to make money, but as mortgage brokers we have an ethical duty to look out for the best deals for you and your unique financial situation. For more information on attending a “FREE INTRODUCTION INTO THE MORTGAGE INDUSTRY SEMINAR” call ZFG Mortgage today. Whether you use our services or not, we are hear to equip you with the information that you will need to make wise financial decisions today that will affect you tommorrow.

ZFG Tulsa Mortgage Company

 5807 S Garnett Rd Suite I

Tulsa , Oklahoma 74146 Toll Free 1-877-205-7266

To help connect our products and services to great customers such as you, we have put together the following industry related terms that are commonly used to find our products when navigating the web.

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