refinancing a house | The Kwak Brothers

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Time and time again, I see people choosing to focus either a mortgage or an investment but not both at the same time. But which option is better to start with? In this article, I will show you how you can invest AND pay off your mortgage without the diminishing effects of either process. I want to show you that it’s possible to pay off your mortgage and invest simultaneously. More often than not, such a decision often depends on your financial situation. While many people believe that paying off money is best since it saves on your interest payments, others may want to invest their extra

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July 10, 2020

Mortgage Rates Are PLUMMETING! Should You Refinance Your Mortgage? (WARNING)

Mortgage Rates Are PLUMMETING! Should You Refinance Your Mortgage? It’s one of the biggest headlines right now when it comes to the housing market. Mortgage interest rates are continuing to drop to a historically low rate. This opens up the idea of refinancing your mortgage to get a lower interest rate. How to Pay Off Your Mortgage In 5-7 Years https://youtu.be/3f-ebCjeH8o Sounds good right? Sure! BUT in this video, I am going to EXPOSE all the hidden costs of refinancing your mortgage and how mortgages work to keep paying the bank interest instead of paying off the principal. A low number on your mortgage rates look good on the outside, but when you dive deep into the ACTUAL cost of that mortgage rates, it WILL shock you with how much you actually pay! Lower mortgage rates DO NOT automatically mean you’ll be saving money. With mortgage rates continually dropping to a historical record low, many homeowners are looking to refinance their mortgage. I am advising AGAINST refinancing at the time regardless of the record low mortgage rates. Here is why: Your mortgage is on an amortization schedule, meaning that on a 30-year mortgage, the majority of your monthly payments for the first 7-10 years, will be going towards the interest owed on your mortgage. So, if your mortgage payment is $1000, $800 of that payment goes towards interest, while the remaining $200 goes towards the principal on your mortgage. Within 7-10 years of paying this mortgage, eventually, most of your monthly payment will go towards the principal and then less will go towards interest. Here’s the catch though with refinancing for lower mortgage rates.. When you refinance to lower mortgage rates the amortization schedule RESTARTS to DAY ONE! This means the majority of your monthly payment will go BACK towards INTEREST and less will go towards the principal balance! Not to mention all the extra fees; closing costs, administrative fees, appraisal fees, underwriting fees, title fees…….all for refinancing to lower mortgage rates…… This is almost criminal……..so it’s almost like the mortgage rates DON’T MATTER when it comes to actually pay off your mortgage! BUT never fear, here at The Kwak Brothers, we specialize in paying off your mortgage QUICKLY! Here is a link to a video we created SHOWING you how to ACTUALLY pay off your mortgage within 5-7 years, WITHOUT refinancing to lower mortgage rates!