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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

Who Pays for Title Insurance When Selling a Home: The Buyer or the Seller?

By | October 11th, 2018|

Who pays for title insurance when selling a home: the buyer or the seller? The answer depends on the customs and practices of each individual state. Q: Is it mandatory for a seller to pay for title insurance in Oregon especially if they were sole owner of home from the day it was constructed? A: [...]

Mortgage Fraud Rose More Than 10 Percent in 2018

By | October 10th, 2018|

Mortgage fraud rose more than 10 percent nationally from the second quarter of 2017 to the second quarter of 2018, according to the latest fraud report from CoreLogic. CoreLogic’s report measures mortgage fraud across six fraud type indicators: property, income, occupancy, identity, transaction and undisclosed real estate debt. “Because home prices are rising and demand [...]

Is a Mortgage Recast Right for You?

By | October 5th, 2018|

Is a mortgage recast right for you? Consider these 4 factors for a “home run refinance” to determine if the deal is a good financial move. Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000 and I owe about $68,000 [...]

If I Get Divorced and Then Sell my Home, Can I Still Take the $250,000 Exclusion?

By | October 5th, 2018|

If I get divorced and then sell my home, can I still take the $250,000 tax exclusion? The answer depends on a few basic factors the IRS uses to see if you qualify. Q: If I get divorced but still live in the marital residence along with my ex-husband, when we sell the property, do [...]

How Many More Homes Will be Sold in 2018?

By | September 26th, 2018|

How many more homes will be sold in 2018?  The exact number is up for debate, but housing industry and residential real estate experts say that 2018 home sales will be less than the number of homes sold in 2017. Sales of existing U.S. homes have peaked for the year, according to a team of [...]

Will Title Insurance Save This Homeowner From Paying an Outstanding Private Mortgage?

By | September 21st, 2018|

Will title insurance save this homeowner from having to repay a mortgage? A homeowner is trying to rely on her title insurance to help her repay an $80,000 mortgage so that she may transfer ownership to his children in the future.  Q: My neighbor can’t transfer the title of her house to her children due [...]

What Are The Limits on a SALT Deduction?

By | September 14th, 2018|

What are the limits on a SALT deduction? After massive tax reform last year, this is the question on many homeowners’ minds. Q: When it comes to the SALT deduction, can you give me a little more information on the limits. A: In the last big tax bill that Congress passed, the law limits the [...]

What Documents Do I Need to Apply for a Mortgage?

By | August 30th, 2018|

What Documents Do I Need to Apply for a Mortgage? Here’s a list of the mortgage documents you need to apply for a loan. Make sure to have them handy in order to keep the mortgage loan process on track. Q: I’ve been watching Ilyce’s videos on her YouTube.com/ExpertRealEstateTips channel. I saw one on the [...]

Thinking About Prepaying Your Mortgage Taxes? Think Again.

By | August 24th, 2018|

If you’re thinking about prepaying your mortgage loan taxes, you should think again. This move can do more harm than good. Q: If my tax payment is included in my mortgage payment, am I allowed to go to the local tax office and prepay the taxes before the due date in order to reduce my [...]

Why Cosigning Your In-Law’s Refinanced Mortgage is a Mistake

By | August 16th, 2018|

Cosigning your in-law’s refinanced mortgage can often be a big mistake, especially if they don’t have much financial stability. Q: I was wondering what legal action could be taken if the person living in the home is on the home title but not on the mortgage loan? I recently helped my mother in law refinance [...]

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