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Mortgage & Finance

A mortgage, or a home loan, can come in many different forms. A 30-year fixed rate, a 15-year fixed rate, an adjustable rate mortgage, a jumbo loan. And what about prepayment or foreclosure? The articles, blog posts, videos and radio shows on this page will answer all your mortgage questions and help you find the right mortgage for you.

You need to consider the fees and closing costs that you may be charged in obtaining a mortgage, the length of the loan and the amount of the loan. In addition, while the interest rate you obtain is quite important, you need to understand all of the other issues involved in obtaining a mortgage loan for your home or investment property.

Take a look at our hundreds of articles on our site. Some of these articles are listed below. These articles relate to obtaining a mortgage, finding a low interest mortgage loan, the difference between a fixed rate or ARM loan, whether to pay points to buy down your interest rate, and avoiding prepayment penal

How Is My Homeowner’s Insurance Premium Determined?

By | December 20th, 2018|

How is my homeowner's insurance premium determined? Homeowners Insurance pricing is complicated making it difficult to choose the best policy. Q: We put in a bid on a 1920s home in the Chicago area for $275,000. I called my insurance company to get a quote and they told me it would cost around $1,800 a [...]

How are Homeowners Association Fees Determined?

By | November 30th, 2018|

These homeowners want to know how their homeowner association fees are determined for a large neighborhood that restricts access to some areas the association maintains. Q: Hi, I enjoy reading your column in our local newspaper. I live in a homeowner’s association that is aggressive. We have around 250 homes and some of the homes [...]

How to Decide if a Home Equity Loan is Right For You

By | November 30th, 2018|

How do you decide if a home equity loan is right for you? An honest look at your current debts and a talk with your mortgage lender may be able to help. Q: We’re thinking that we don’t want to move forward with a home equity loan we applied for. We’re pretty far along in [...]

Why You Need to Shop for Your Mortgage Lender

By | November 19th, 2018|

Why do you need to shop for your mortgage lender? Whether you have reservations or the rate feels too high, shopping around will help get you a better deal. Q: I applied with my daughter for pre-approval on a loan with a mortgage company. I applied several months ago and the lender never notified me [...]

How to Fix an Error on Your Home Deed

By | November 19th, 2018|

How to fix an error on your home deed: Even if the home deed error seems minimal, spend time to correct the error quickly. Q: My deed contains an error. Instead of one of the property lines being described as running "south westerly 146 feet,” it reads "south easterly 146 feet." For purposes of selling [...]

What You Need to Know About Being a Condo Owner

By | November 15th, 2018|

What you need to know about being a condo owner: from the condominium association to voting on assessments, what’s expected of the owners? Q: As a new condo owner for last two years, I have enjoyed your recent column in our newspaper on condominium issues. I own a small condominium in a mid-sized building in [...]

What’s the Best Way to Divide Inherited Property?

By | November 9th, 2018|

What’s the best way to divide inherited property? A little property value homework can help you decide the best option for your family. Q: How do I divide a real estate inheritance? An uncle died and named me the executor of his estate. I didn’t think he had much in the way or money or [...]

Will Buying a House Hurt My Credit?

By | November 7th, 2018|

Will buying a house hurt your credit? Research on how taking out a mortgage impacts your credit score is finally here to answer this age-old question. Your credit score will fall an average of 15 points over a period of four months after buying a house, according to consumer analysis by LendingTree. More specifically, your [...]

If the Mortgage Wasn’t Closed Properly When You Sold Your Home, What Can You Do?

By | October 19th, 2018|

If the mortgage wasn’t closed properly when you sold your home, what can you do? Some legwork is required to get the answers you need from the mortgage company. Q: I sold my home three years ago but the mortgage company says that I still owe money on the mortgage. I told them the loan [...]

Don’t Have a Mortgage? It’s Unlikely You’ll Get One

By | October 18th, 2018|

If you don’t have a mortgage today, it’s unlikely you’ll get one in the future.  More than 70 percent of those without mortgages aren’t likely to get one in the future, and the 2008  housing crisis greatly influenced their aversion to homeownership. So, what’s causing the reticence? Retirement is the most common reason Americans say [...]

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