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2. Yield spread premium - Wikipedia

   en.wikipedia.org/wiki/Yield_spread_premium

   A yield spread premium (YSP) is the money or rebate paid to a mortgage broker for giving a borrower a higher interest rate on a loan in exchange for lower up front costs, generally paid in origination fees, broker fees or discount points.

3. Refinance rates for Friday, December 27, 2024 - AOL

   www.aol.com/mortgage-and-refinance-rates-for-dec...

   The current average rate for a 30-year fixed mortgage is 6.99% for purchase and 7.01% for refinance, up 10 basis points from 6.89% for purchase and 13 basis points from 6.88% for refinance this ...

4. When should you refinance your mortgage? - AOL

   www.aol.com/finance/when-to-refinance-mortgage...

   By refinancing, you’d save about $220 on your monthly payments and nearly $30,000 in interest payments over the life of the loan, and it would take you about three years to recoup the closing ...

5. Refinancing - Wikipedia

   en.wikipedia.org/wiki/Refinancing

   Refinancing is the replacement of an existing debt obligation with another debt obligation under a different term and interest rate. The terms and conditions of refinancing may vary widely by country, province, or state, based on several economic factors such as inherent risk, projected risk, political stability of a nation, currency stability, banking regulations, borrower's credit worthiness ...

6. Negative amortization - Wikipedia

   en.wikipedia.org/wiki/Negative_amortization

   Often the loan originator can increase the margin when structuring the product for the borrower. An increase to the margin will also increase the borrower's interest rate, but will improve the yield spread premium which the loan originator may receive as compensation from the lender. Fully indexed rate (F.I.R.)

7. Mortgage and refinance rates for Nov. 22, 2024: Average rates ...

   www.aol.com/finance/mortgage-and-refinance-rates...

   Rates on a 15-year mortgage stand at an average 6.23% for purchase and 6.26% for refinance, up 7 basis points from 6.16% for purchase and 6 basis points from 6.20% for refinance over the past week.