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Actualización del mercado hipotecario
Melissa Leon Diaz
Melissa Leon Diaz
sábado, 31 de octubre de 2026
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Is refinancing something to consider right now? |
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Homeownership brings all kinds of financial decisions, and refinancing is one that comes up more often than you'd think. Here's what you should know about it.
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Tasas hipotecarias nacionales · 29 de octubre de 2026
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Convencional a 30 años
7.15%
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Fuente: índices hipotecarios diarios de Optimal Blue vía FRED
Las tasas mostradas son tasas de índices hipotecarios nacionales y se ofrecen solo con fines informativos. Las tasas reales varían según el perfil crediticio, el monto del préstamo y las condiciones del mercado. Contáctenos para una cotización personalizada.
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Refinancing Basics
When refinancing makes sense for your situation
Refinancing isn't a one-size-fits-all move, but it's worth understanding when it might work for you. The main reasons people refinance are to lower their monthly payment, shorten their loan term, switch from an adjustable to a fixed rate, or tap into home equity for something important. Each has different trade-offs—a lower payment might mean paying interest longer, while a shorter term means higher monthly costs but faster payoff. The key is figuring out what matters most to your financial goals right now. If you're wondering whether refinancing could help your situation, I'd love to walk through the options with you. Reach out and let's talk through whether refinancing might be right for you.
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Consejo de la semana
Refinancing resets your amortization clock. If you're 10 years into a 30-year loan, consider a shorter term to avoid paying more total interest.
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Consejos para propietarios
Co-Signing a Mortgage: What You're Really Agreeing To
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1.
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Co-signing makes you equally responsible for the debt. If the primary borrower misses payments, your credit score takes the same hit and the lender can pursue you for the full balance.
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2.
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The co-signed mortgage debt appears on your credit report and counts toward your DTI. This can limit your ability to qualify for your own financing until the loan is paid off or refinanced out of your name.
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3.
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There's no automatic way to remove yourself as a co-signer — the primary borrower must refinance the loan in their name alone. Get this understanding in writing before you sign.
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Melissa Leon Diaz team any time and we'll walk you through your options. |
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1700 sw 57th ave suite 205 miami fl 33155
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