Everyone else in the marketplace (mortgage companies & brokers) is a retail vendor that sells mortgage products for wholesale lenders. To get your hands on this "Mortgage Refinancing Toolkit," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com. To get your FREE Mortgage Refinancing DVD, visit RefiAdvisor.com using the link below.



When you apply for a loan form the bank, you are required to put up a pledge for security for the loan. Because traditional mortgage companies and brokers have access to wholesale mortgage interest rates and are more likely to negotiate over markup and fees, you should never take out a mortgage loan from your Bank. This means your bank is not required to disclose any of their fees or markup of your mortgage rate beyond the Annual Percentage Rate (APR) required by separate Truth in Lending legislation. The only way to spot this markup that your bank includes in their rate sheets is to find out what the going wholesale mortgage rates are. What is SRP and why should you avoid banks altogether for your next mortgage loan? The answer will surprise you.

If you’ve been researching mortgage loans online you may have heard of Yield Spread Premium. To get your FREE Mortgage Refinancing DVD, visit RefiAdvisor.com using the link below. Would you ever consider taking out a mortgage from a lender that doesn’t have to play by the rules?. If you’re familiar with Yield Spread Premium, you know that mortgage companies and brokers mark up your mortgage rate to receive a bonus from the wholesale lenders. Bank originated mortgage loans have the same markup as retail mortgage loans with one distinction.

The Banking Lobby spent millions of dollars to have this law changed excluding banks from disclosure requirements. These rate sheets have Service Release Premium already built in; however, you can get an idea of what the going wholesale rate is by checking the weekly yield on Fannie Mae’s website.

If you’ve been researching mortgage loans online you may have heard of Yield Spread Premium. What makes a profitable investment on the secondary mortgage market? The answer: high interest mortgage debt. The mortgage you take out from the bank is funded entirely by the bank and pooled together with their other loans. To get your hands on this free video tutorial: "Mortgage Refinancing - What You Need to Know," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com. When RESPA was being the drafted the banking lobby campaigned feverishly to be excluded from any disclosure legislation.

The markup of your mortgage rate for this reason is called Service Release Premium. If you’re familiar with Yield Spread Premium, you know that mortgage companies and brokers mark up your mortgage rate to receive a bonus from the wholesale lenders. There are pros and cons with any type of mortgage lender and if you aren’t careful you will pay too much.

They will swear to you that the interest rate is not marked up in any way and even show you the bank’s rate sheets. The problem with taking out a mortgage from your Bank is that they are not required to disclose any of this markup due to loopholes in the Real Estate Settlement Procedures Act. To get your hands on this free video tutorial: "Mortgage Refinancing - What You Need to Know," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com. Because banks fund their loans with the bank’s money, many people mistakenly think taking out a mortgage from the bank or credit union is going to be cheaper than taking out a retail mortgage loan.

To get your free mortgage guidebook visit RefiAdvisor.com using the link below. When a bank seizes a property, it sends out a notice to the owner. Here are several tips to help you avoid paying too much for next home loan. • Limited Number of Loan Products to Choose From • No Room for Negotiation on Your Interest Rate • Interest Rates Are Always Higher • Banks Are Not Willing to Negotiate Lender Fees and Closing Costs • Banks are Exempt from Disclosure Rules Provided by the RESPA Act.