I would wait until you can show rent as income on a tax return before you try to refinance. Like others said, 4.5% is not a bad rate all things considered, the best rates out there for FHA loans are like 3.5% or higher. My wife and I bought a cheaper home recently with income similar to yours and we got a rate just under 4%.

Foreclosure mess exposes the rot from within When the anchoring roots rot and decay, the tree is in trouble. The tree can fall at any time. A tree can appear healthy and vibrant with foliage but suddenly fall over if the structural roots are not strong enough to keep it standing.

Personal debt loads skyrocketed to absurd levels, and soon many people could no longer make housing payments. One year into the crisis, Rodriguez saw his mortgage interest rate jump from four. no.

 · By most estimates, mortgage rates were expected to climb this year, with rates on the 30-year fixed-rate mortgage predicted to exceed 5%. Instead, rates are now lower than they were this time in.

New GSE appraisal database to tighten scrutiny on mortgage lenders Report: FHA should lower loan limits common reasons for Declined Loans; Using the nmls logo; broker Marketshare Feedback; Loan Limits – Just like how the lack of demand for a purple Ford Pinto forces the price lower. loan limit changes. PHH (#5 in originations in the first quarter of 2011 – where did they come from?) reminded.

Rates are expected to rise to between 5.5% and 6% over the next two years if the economy keeps humming along, according to Len Kiefer, deputy chief economist at Freddie Mac.

For instance, someone buying a home may have found they could no longer afford monthly payments at today’s 30-year fixed rate. But they choose a 5-year ARM rate instead and shave more than $100.

"But the bad part of that news is the foreseeable horizon is typically no longer than six months, usually, more like four to six months." Gundlach, who accurately forecasted the subprime mortgage.

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Mortgage Rates Back to 3.5% for Some. If you have a truly ideal credit profile and loan scenario, a few of the more aggressive lenders are quoting conforming, 30yr fixed mortgage rates at 3.5% today. Almost all other lenders are only an eighth of a point higher at 3.625% for top tier scenarios. This is a rate landscape.

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Mortgage Rates Quickly Approaching 4.5%. The average top tier conventional 30yr fixed rate is quickly approaching 4.5%. Nearly every lender that was at 4.125% last week is now at 4.375%. Lenders who were at 4.25% last week are mostly up to 4.5%.

U.S. home sales jumped 2.5% in May, as lower mortgage rates appeared to help buyers overcome affordability challenges.. "The market no longer faces the climbing mortgage rates or poor stock.