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Refinancing

Paying off an existing 

Loan

 with the 

Proceeds

 from a new loan, usually of the same size, and using the same 

Property

 as 

Collateral

. In 

Order

 to decide whether this is worthwhile, the savings in 

Interest

 must be weighed against the fees associated with refinancing. The difficult part of this calculation is predicting how much the up-front 

Money

 would be worth when the savings are received. Other reasons to refinance include reducing the 

Term

 of a longer 

Mortgage

, or 

Switching

 between a fixed-rate and an adjustable-rate mortgage. If there are 

Prepayment

 fees attached to the existing 

Mortgage

Refinancing

 becomes less favorable because of the increased cost to the borrower at the time of the refinancing.



Related Terms: 24

ACH

,

Borrow

,

CLU

,

Collateral

,

ECI

,

Finance

,

Financing

,

FIN

,

Interest

,

Inc.

,

Long

,

Loan

,

Money

,

Mortgage

,

Order

,

Owe

,

Property

,

Prepayment

,

Proceeds

,

Refinancing

,

ROC

,

ROCE

,

Switching

,

Term


Other Related Pages:

Category: Lending_and_Credit


Starting With: R


Semi Related Terms: 827  CLICK HERE TO VIEW

Accelerated Cost Recovery System

,

Acquisition cost

,

ACH

,

Adjustable rate

,

Above par

,

Accrual of discount

,

Accrued interest

,

Amortization of premium

,

At par

,

All or any part

,

Alternative order

,

Associate member

,

At best

,

At call

,

Automated Order Entry System

,

Active money

,

Adjustable rate preferred stock

,

Adjustable life insurance

,

All-risks coverage

,

At risk

,

Asset financing

,

Add-on service

,

Abstract of title

,

Action to quiet title

,

As is

,

Assignment to creditors

,

Attorney in fact

,

Adjustable Rate Mortgage

,

Advance rate

,

After-acquired collateral

,

Amortization term

,

Annual Percentage Rate

,

Applicable federal rate

,

Asset-based finance

,

Asset conversion loan

,

Assignment of mortgage

,

Assumable mortgage

,

A shares

,

Average price per share

,

At the money

,

Absorption rate

,

Age-weighted plan

,

Across the board

,

Additional paid-in capital

,

Average up

,

Ad valorem

,

Against the box

,

At the bell

,

At the close

,

At the figure

,

At the full

,

At the market

,

At the opening order

,

Automated Pricing and Reporting System

,

Away from the market

,

Back pay

,

Below the line

,

Books of final entry

,

Books of original entry

,

Book value per share

,

Burn rate

,

Banking Act of 1933

,

Barren money

,

Below par

,

Benchmark interest rate

,

Bid-to-cover ratio

,

Bureau of Public Debt

,

Broker loan

,

Brought over the wall

,

Buying on margin

,

Buy limit order

,

Buy minus order

,

Buy on close

,

Buy on opening

,

Buy order

,

Buy stop order

,

Buy the book

,

Broad money

,

Basic earnings per share

,

Back door financing

,

Balance of payments

,

Bank Rate

,

Base interest rate

,

Board of Governors

,

Breaking the syndicate

,

Bill of exchange

,

Bill of sale

,

Breach of trust

,

By the book

,

Balloon loan

,

Balloon payment

,

Bank term loan

,

Base rate

,

Blended rate

,

Borrow

,

Bridge financing

,

Bridge loan

,

Broker loan rate

,

Business finance companies

,

Bust-up takeover

,

B shares

,

Buy and write

,

Behavioral finance

,

Break-even tax rate

,

Blow-off top

,

Breadth-of-market theory

,

Beat the gun

,

Capitalized cost

,

Capitalized interest

,

Common-size statement

,

Cost Accounting

,

Cost Of Goods Sold

,

Cost of sales

,

Credit order

,

Compound interest

,

Certificate of Participation

,

Collateralized Mortgage Obligation

,

Collateral trust certificate

,

Collaterized Loan Obligation

,

Committee on Uniform Securities Identification Procedures

,

Coupon rate

,

Current production rate

,

Call money rate

,

Code of procedure

,

Contingency order

,

Contingent order

,

Capitalization of income

,

Capitalization rate

,

Cap rate

,

Civilian unemployment rate

,

Cost of Living Adjustment

,

Cost-of-living index

,

Council of Economic Advisers

,

Cash and carry trade

,

Chasing the market

,

Cheapest to deliver

,

Chicago Board of Trade

,

Cost basis

,

CLU

,

Convertible term insurance

,

Cost-of-living rider

,

Capital gains distribution

,

Certificate of stock

,

Cost of carry

,

Corporate Financing Committee

,

Certificate of title

,

Community property

,

Cancellation of debt

,

Cash collateral

,

Cash-out refinancing

,

Certificate of Claim

,

Character loan

,

Chattel mortgage

,

Classified loan

,

Collateral

,

Collateral note

,

Collateral surety

,

Commercial finance

,

Commercial mortgage

,

Commercial property

,

Commitment fee

,

Conduit borrower

,

Conforming loan

,

Consolidation loan

,

Consumer interest

,

Conventional mortgage

,

Cost of debt capital

,

Cost of funds

,

C shares

,

Class of options

,

Close to the money

,

Contract size

,

Cash Against Documents

,

Certificate of Occupancy

,

Cloud on title

,

Cash or Deferred Arrangement

,

Class A Shares

,

Class B Shares

,

Crash of 1929

,

Crash of 1987

,

Capital gains tax

,

Child and dependent care credit

,

Coefficient of determination

,

Cup and handle

,

Certificate of delivery

,

Close a position

,

Cornering the market

,

Curbs in

,

Deficit net worth

,

Depreciated cost

,

Deposit in transit

,

Date of issue

,

Date of payment

,

Debt financing

,

Deferred interest bond

,

Delivery vs. payment

,

Delivery vs. repayment

,

Day loan

,

Day order

,

Designated Order Turnaround

,

Discretionary order

,

Division of Enforcement

,

Division of Investment Management

,

Division of Market Regulation

,

Date of record

,

Dividend in arrears

,

Dividend rate

,

Desk (the)

,

Discount rate

,

Division of labor

,

Decreasing term life

,

Direct financing

,

De-escalation clause

,

De facto

,

Doing business as

,

Durable Power of Attorney

,

Date of maturity

,

Debtor in possession

,

Debtor-in-possession financing

,

Deed of Release

,

Deed of Trust

,

Deferred payment

,

Demand loan

,

Discharge of bankruptcy

,

Discharge of lien

,

Discount loan

,

Down payment

,

Due-on-sale clause

,

Dollar cost averaging

,

Deep in the money

,

Deep out of the money

,

Double witching hour

,

Deed of Surrender

,

Department of Housing and Urban Development

,

Deferred payment annuity

,

Dogs of the Dow

,

Double up

,

Depth of market

,

Effective annual interest rate

,

Eurodollar certificate of deposit

,

Exact interest

,

Escrowed to maturity

,

Ex-legal

,

External financing

,

Either-or order

,

Exchange rate

,

Extended broad money

,

Effective par

,

ECI

,

Economic growth rate

,

Employer Cost Index

,

Employment Cost Index

,

E-mini

,

Exchange against actuals

,

Exchange of spot

,

Ex-pit transaction

,

Effective tax rate

,

Ex-all

,

Equity mortgage

,

Evergreen loan

,

Explicit interest

,

Exit fee

,

Expiration time

,

Ex-warrants

,

Employee Retirement Income Security Act of 1974

,

Equity financing

,

Ex-rights

,

Ex-rights date

,

Even up

,

First In First Out

,

Fixed asset

,

Fixed-charge coverage ratio

,

Fixed cost

,

Federal Savings and Loan Association

,

Federal Home Loan Mortgage Corporation

,

Federal National Mortgage Association

,

Finance

,

Financing flows

,

Fixed income

,

Fixed income equivalent

,

Fixed-income arbitrage

,

Flight to quality

,

Floating-rate bond

,

Flow of funds

,

Fill or kill

,

Front-ending an order

,

Fiat money

,

Floating exchange rate

,

Foreign exchange rate

,

Forward exchange rate

,

Forward P/E

,

Fully diluted earnings per share

,

Factors of production

,

Favorable balance of trade

,

Federal Reserve Discount Rate

,

Fee-for-service

,

Fixed annuity

,

Fixed benefits

,

Fixed premium

,

Front-end load

,

Form S-1

,

Friends and family offering

,

FHA Loan

,

Finance charge

,

Finance company

,

Financing

,

First mortgage

,

Fixed rate

,

Fixed-rate loan

,

Fixed-Rate Mortgage

,

Floating rate

,

Floor loan

,

Forward interest rate

,

Forward Rate Agreement

,

Full faith and credit

,

Family of funds

,

Fund of funds

,

Free and clear

,

Fixed investment trust

,

Free right of exchange

,

Federal ID Number

,

FIN

,

First-round financing

,

Government National Mortgage Association

,

G-7

,

General Agreement on Tariffs and Trade

,

G-8

,

Gross proceeds

,

General mortgage

,

Graduated payment

,

Growing equity mortgage

,

Growth and income fund

,

Gather in the stops

,

Going long

,

Historical cost

,

Hart-Scott-Rodino Act of 1976

,

Hit the bid

,

House of issue

,

Health Insurance Portability and Accountability Act

,

Holder in due course

,

Hang out loan

,

High-ratio mortgage

,

Home Equity Conversion Mortgage

,

Home equity line of credit

,

Home equity loan

,

Home Mortgage Disclosure Act

,

Head and shoulders

,

Hammering the market

,

Held at the opening

,

Holding the market

,

Interest-bearing

,

In escrow

,

Interest rate collar

,

Interest rate risk

,

Interest rate swap

,

Intermediate-term

,

In-house

,

Investment Advisor Act of 1940

,

Investment Company Act of 1940

,

In line

,

Inflation rate

,

Interest rate futures

,

Interbank Rate

,

Insurable interest

,

Insider Trading sanctions Act of 1984

,

Interest

,

Interest expense

,

Internal Rate of Return

,

Indication of interest

,

Inc.

,

In intestacy

,

Inter vivos trust

,

Imputed interest

,

Indexed loan

,

Installment loan

,

Insured mortgage

,

Interest deduction

,

Interest-only loan

,

Interest rate

,

Interest rate cap

,

Interest rate ceiling

,

Interest rate floor

,

Interim financing

,

Inventory financing

,

In play

,

In-process research and development

,

Interest rate option

,

I/O strip

,

Inchoate interest

,

Income property

,

Interest-only strip

,

Investment property

,

Immediate payment annuity

,

In-service withdrawal

,

Imbalance of orders

,

In and out

,

In sympathy

,

In the tank

,

Jointly and severally

,

Jumping the gun

,

Joint and several liability

,

Joint mortgage

,

Jumbo loan

,

Just title

,

Joint and survivor annuity

,

Last In First Out

,

Lender of last resort

,

Law of one price

,

Long

,

Long Bond

,

Long position

,

Long-term

,

Lending at a rate

,

Limit-on-close order

,

Limit order

,

Limit order book

,

Limit order information system

,

Long Market Value

,

Lawful money

,

Law of demand

,

Law of supply

,

Limit up

,

London International Financial Futures and Options Exchange

,

Long hedge

,

London Inter-Bank Offer Rate

,

Level term insurance

,

Long-term care insurance

,

Loan stock

,

Long-term debt

,

Long-Term Equity Anticipation Securities

,

Letter of comment

,

Legal age

,

Line of credit

,

Loan

,

Loan note

,

Loan schedule

,

Loan sharking

,

Loan-to-cost

,

Loan-to-value

,

Loan value

,

Loan-value ratio

,

Lock-in

,

Long-term mortgage

,

Long leg

,

Long straddle

,

Long-term lease

,

Leading the market

,

Locked in

,

Long-term gain or loss

,

Level I quotes

,

Long squeeze

,

Money center bank

,

Money order

,

Mutual Savings Bank

,

Medium-term

,

Medium-term bond

,

Mortgage-backed certificate

,

Mortgage-backed security

,

Mortgage bond

,

Mortgage pass-through security

,

Mortgage pool

,

Maintenance fee

,

Make a market

,

Margin loan

,

Margin rate

,

Market if touched order

,

Market on close order

,

Market order

,

Mark-to-market

,

Money management

,

Medium of exchange

,

Money

,

Marginal propensity to consume

,

Mortgage life insurance

,

Mezzanine financing

,

Mortgage lien

,

Market rate

,

Minimum payment

,

Money at call

,

Money factor

,

Morning loan

,

Mortgage

,

Mortgage banker

,

Mortgage banking

,

Mortgage broker

,

Mortgage debt

,

Mortgage interest deduction

,

Mortgage note

,

Mortgage rate

,

Mortgage REIT

,

Mortgage risk

,

Mortgage servicing

,

Mill rate

,

Money flow

,

Net interest margin

,

Near money

,

Negotiable certificate of deposit

,

Negotiable Order of Withdrawal

,

New York Stock Exchange

,

Nominal rate

,

Non-interest-bearing note

,

Notice of Sale

,

National Association of Securities Dealers

,

National Association of Securities Dealers Automated Quotations system

,

No limit order

,

New York Futures Exchange

,

New issue

,

Null and void

,

Non-conforming loan

,

Note loan

,

Notice of Default

,

National Association of Real Estate Investment Trusts

,

Non-investment property

,

Normal retirement age

,

New high

,

Off-balance-sheet financing

,

Off the books

,

One time charge

,

Original cost

,

Other current assets

,

Other long term liabilities

,

Office of Thrift Supervision

,

Ordinary interest

,

Out-of-favor

,

Outside financing

,

Over-the-Counter

,

Off-floor order

,

On-floor order

,

On margin

,

Open order

,

Or better

,

Order

,

Order flow

,

Order ticket

,

Other income

,

Operating rate

,

Open interest

,

One-share one-vote rule

,

Opinion of title

,

On account

,

On-the-spot loan

,

Open-end mortgage

,

Open mortgage

,

Origination fee

,

Overlying mortgage

,

Owe

,

Owner financing

,

Out of the money

,

Old age, survivors, and disability insurance

,

On-balance volume

,

Off-board

,

On close

,

One man picture

,

On open

,

On the opening

,

Order book official

,

Order imbalance

,

Pooling of interests

,

Pre-depreciation profit

,

Pre-tax profit margin

,

Profit and loss statement

,

Pro forma

,

Property inventory

,

Par bond

,

Pass-through coupon rate

,

Paying agent

,

Payment date

,

Payment-in-kind security

,

Permanent financing

,

Prepayment speed

,

Price Value of a Basis Point

,

Payment for order flow

,

Purpose loan

,

P&L

,

Primary earnings per share

,

Periodic payment plan

,

Policy loan

,

Pre-existing conditions

,

Private Mortgage Insurance

,

Property damage coverage

,

Per stirpes

,

Power of Attorney

,

Property

,

Package mortgage

,

Paid up

,

Partially amortized loan

,

Participation loan

,

Personal interest

,

Piggyback loan

,

Prepaid interest

,

Prepayment

,

Prepayment penalty

,

Prepayment privilege

,

Prepayment risk

,

Prime rate

,

Prioritization of debt

,

Proceeds

,

Purchase-money mortgage

,

Phone switching

,

Prime rate fund

,

Personal property

,

Property tax

,

Paid-in capital

,

Paid-in surplus

,

Pre-syndicate bid

,

Private Investment in Public Equity

,

Preservation of capital

,

Property assessment

,

Point-and-figure chart

,

Painting the tape

,

Replacement cost

,

Reports and Records

,

Retention rate

,

Return of capital

,

Return on Capital

,

Return on Invested Capital

,

Return on Total Assets

,

Revolving collateral

,

Run rate

,

Real interest rate

,

Rate covenant

,

Real Estate Mortgage Investment Conduit

,

Reading the tape

,

Real-time trade reporting

,

Receive against payment

,

Receive versus payment

,

Regulation D

,

Regulation G

,

Regulation T

,

Regulation U

,

Round of funding

,

Rules of Fair Practice

,

Rate of exchange

,

Reciprocal of European terms

,

Real economic growth rate

,

Registered Retirement Savings Plan

,

Reduced paid-up insurance

,

Replacement cost insurance

,

Red herring

,

Regulation A

,

Right of first refusal

,

Right of rescission

,

Right to Know

,

Rate-improvement

,

Rate lock

,

Recourse loan

,

Refinancing

,

Regulation Z

,

Renegotiable rate

,

Rescheduled loan

,

Residential mortgage

,

Reverse-annuity mortgage

,

Reverse mortgage

,

Revolving line of credit

,

Right of recourse

,

Rollover mortgage

,

Rule of 78

,

Redemption fee

,

Roll up

,

Residential property

,

Residential rental property

,

Right of redemption

,

Retirement Equity Act of 1984

,

Risk/return trade-off

,

Return on Capital Employed

,

ROC

,

ROCE

,

Rate of return

,

Real rate of return

,

Real-time

,

Selling, General and Administrative Expenses

,

SG&A

,

Sales fee

,

Savings account

,

Savings and Loan

,

Savings Association Insurance Fund

,

Savings bank

,

Savings deposits

,

Short-term reserves

,

Sight letter of credit

,

Simple interest

,

S&L

,

Stop payment

,

Savings Bond

,

Securities and Exchange Commission

,

Series EE bond

,

Short-term

,

Spot rate

,

Step-up bond

,

Student Loan Marketing Association

,

SEC fee

,

Securities loan

,

Segregation of securities

,

Sell limit order

,

Sell order

,

Sell the book

,

Significant order

,

Small Order Execution System

,

Split order

,

Stock loan

,

Stop-limit order

,

Stop order

,

Same-store sales

,

Savings rate

,

Standard of living

,

Swap rate

,

Savings element

,

Second-to-die insurance

,

Short interest

,

Short interest ratio

,

Statute of Limitations

,

Sale and leaseback

,

Satisfaction of debt

,

Secondary mortgage market

,

Second mortgage

,

Secured loan

,

Security interest

,

Security loan

,

Self-amortizing mortgage

,

Seller financing

,

Share appreciation mortgage

,

Signature loan

,

Single-payment loan

,

Soft loan

,

Stafford loan

,

Standard payment calculation

,

Standby loan commitment

,

Start rate

,

Structured finance

,

Swing loan

,

Staggered board of directors

,

Switching

,

Selling the spread

,

Step-up warrant

,

Special use property

,

Step-up lease

,

Savings Incentive Match Plan for Employees

,

Selling short against the box

,

Shorting against the box

,

S Corporation

,

Short-term gain or loss

,

Sin tax

,

Standard mileage rate

,

Subchapter M

,

Subchapter S Corporation

,

Same Day Funds Settlement

,

Scale order

,

Schedule C

,

Securities Act of 1933

,

Securities Acts Amendments of 1975

,

Securities Exchange Act of 1934

,

Seek a market

,

Smart money

,

S&P phenomenon

,

Stop and reverse

,

Tangible net worth

,

Times interest earned

,

Total cost

,

Term CD

,

Time deposit

,

Time draft

,

T-Bill

,

Term

,

Term bond

,

Term to maturity

,

Take a position

,

Time order

,

Trailing P/E

,

Tight money

,

Triple witching hour

,

Term insurance

,

Tenancy by the entirety

,

Teaser rate

,

TED spread

,

Term deposit

,

Term loan

,

Time note

,

Truth in Lending

,

Two-step mortgage

,

Term trust

,

Time spread

,

Tenancy at will

,

Time-sharing

,

The Street

,

Time stop

,

Timing the market

,

Taxpayer Relief Act of 1997

,

Tax Reform Act of 1986

,

Tax Reform Act of 1993

,

Take a bath

,

Term repo

,

Triple witching day

,

Term sheet

,

U.S. Government Agency Security

,

U.S. Savings Bond

,

U.S. Treasury

,

U.S. Treasury Bill

,

U.S. Treasury Bond

,

U.S. Treasury Note

,

U.S. Treasury Securities

,

Unemployment rate

,

Unearned interest

,

Unsecured loan

,

Unencumbered property

,

Up volume

,

Unit of trade

,

Unit of trading

,

Variable rate

,

Vendor financing

,

With interest

,

Wrap fee

,

Witching hour

,

Waiver of premium

,

Working capital loan

,

Wraparound loan

,

Widow-and-orphan stock

,

W-2 Form

,

W formation

,

When, as, and if issued

,

When issued

,

X or XD

,

Year-To-Date

,

Yield to call

,

Yield to maturity

,

Yield to worst

,

Y shares

,

Z shares


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