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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

Should You Have a Transfer on Death Deed, a Living Trust or Both?

By | July 13th, 2018|

Should you have a transfer on death deed, a living trust or both? For this reader, it may be best to pursue all options available to them. Q: My father signed a quit claim deed in 2008 for my mother to be sole owner of their mobile home. Now, in 2018, she put him as [...]

Buying Your Spouse Out Of The House

By | July 13th, 2018|

Buying your spouse out of the house is not unusual, but take some consideration before getting a loan do so. Q: My ex-husband wants money before he signs the house over to me. We have no mortgage on the home. I’d like to know if I can take home equity loan just to pay him [...]

Claiming Home Ownership Through Adverse Possession: What You Need to Know

By | July 6th, 2018|

Claiming home ownership through adverse possession: What you need to know in order to put the home in your name. How do you claim home ownership through adverse possession? What you need to know in order to put the home in your name? These are some of the most commonly asked questions about adverse possession. [...]

Building a New House? How to Make a Family Mortgage Work with a Construction Loan

By | June 29th, 2018|

How to make a family mortgage work with a construction loan to ensure the complicated building process doesn’t exceed the loan amount. Q: In regard to your article "How to become a mortgage lender for your children" in the Washington Post, can a family mortgage also be accomplished on a construction loan? Can you refer [...]

Why You May Not Need a 20% Down Payment Before Buying

By | June 29th, 2018|

Why you may not need a full 20% down payment before buying a home, especially if it means draining your savings. Q: I’m looking to buy a home where the typical property sells for about $200,000. I have saved up about $25,000. Should I wait until I have $40,000 to buy the home or try [...]

How to Find Proof of Your Cancelled Mortgage

By | June 22nd, 2018|

How to find proof of your cancelled mortgage if your lender didn’t send you a cancelled note. Q: How you can figure out if a cancelled mortgage is cancelled by the county? A: In a recent column, we discussed how a lender should and generally does send the cancelled note and mortgage back to the [...]

New Report Shines Spotlight on Scarcity of Affordable Housing

By | June 20th, 2018|

A recent report from the Harvard JCHS takes a look at the important differences in the housing market since the 1980s. Many staples of American life look different in the three decades since 1988, from big hair to the cost of college to the rising number of Americans burdened by housing costs. In a recent [...]

Do You Get the Deed After Your Final Mortgage Payment?

By | June 14th, 2018|

Do you get the deed after your final mortgage payment? After making your final mortgage payment, there are many documents you should receive, but is the home deed one of them? Q: My husband and I paid off our home in 1999, 10 years early. We never received a deed. The loan company said that [...]

What Might be Hiding in the Fine Print of Your Mortgage Documents?

By | June 7th, 2018|

What might be hiding in the fine print of your mortgage documents? In this reader’s case, a prepayment penalty that they may not be able to get out of. Q: I recently took out a mortgage to purchase my first home. It’s a condo. I went with a non-traditional lender that offered a loan about [...]

This is Why Mortgage Lenders are Rolling Back Regulations

By | June 1st, 2018|

There are a few reasons mortgage lenders are loosening regulations, one of which is a spike in late payments, but these roll backs won't be the cause of the next recession. I was asked on the radio last week if I thought mortgage lenders were loosening regulations too much. Steve Cochran, who hosts morning drive on [...]

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