The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

how save money without refinancing

Here is an easy way to save thousands in mortgage interest expense without refinancing

By Scott Sheldon / January 21, 2018

If you hate your mortgage as much as everyone else does, this article is for you. One of the things people hate about home mortgages is the amount of interest they pay over the total term of the loan. Following is a strategy to help you pay off your house faster without breaking your pocket…

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How To Refinance To A 15 Year Mortgage Even If Your Financials Don't Pencil

By Scott Sheldon / April 2, 2015

One of the best way is bar none to eliminate your mortgage debt is moving into a 15 year fixed rate loan. With the average spread a full 1% compared to its 30 year mortgage counterpart, a 15 year mortgage provide can an increased rate of acceleration in paying off the biggest obligation of your…

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