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California Reverse Mortgage: Comprehensive information for seniors and their loved ones.

Mortgage rates have fallen in recent years and at record lows. Mortgage companies like one of the reputable ones mentioned above can provide you with a low rate mortgage. If you already have a mortgage at a higher interest rate, refinancing to a lower rate can save you thousands of dollars, lower your payment or even both in some cases. Take advantage of historic lows before the interest rates begin to climb again.

Typical mortgage terms are 10, 15, and 30 yrs. Adjustable Rate Mortgages (ARMs) are typically sold as 3, 5, or 7 yr increments. PMI insurance is often needed when the loan-to-value exceeds 80%.

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