Mortgage & Finance Archives

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

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Taking a Look at the State of the Real Estate Market

Taking a Look at the State of the Real Estate Market

By Ilyce Glink| 2018-05-24T16:08:12-05:00 May 29th, 2018|

Real estate is always on my mind and in this article, I take a look at the current state of the US real estate market and what factors may be contributing to odd selling behaviors in certain markets. As we drove around the North Shore of Chicago this weekend, home to some of the most [...]

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Will This Old Mortgage Derail Their Home Sale?

Will This Old Mortgage Derail Their Home Sale?

By Ilyce Glink| 2018-05-24T16:16:40-05:00 May 25th, 2018|

Old mortgages that have not been properly discharged might derail a home sale. What steps can they take to have the lender recognize the mortgage has been discharged? Q: I’m trying to sell my home and recently found out there is an old mortgage on the property from 20 years ago. The loan was never [...]

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Tax Liens and Bankruptcy: What You Need to Know

Tax Liens and Bankruptcy: What You Need to Know

By Ilyce Glink| 2018-05-24T16:06:33-05:00 May 25th, 2018|

Tax liens can hang around, even after you file for bankruptcy. Here’s what you need to know to avoid issues post-bankruptcy. Q: I recently sold a property that had a tax lien on it along with a few other "things from the past." I had a wildly successful business for eleven years that failed after [...]

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What’s Happening with the Housing Market Right Now

What’s Happening with the Housing Market Right Now

By Ilyce Glink| 2018-05-24T15:22:48-05:00 May 24th, 2018|

Is now a good time to buy or sell my property? It depends, home values are rising, but sales of new single-family homes are declining and there's a lack of new construction. It was a mixed bag of real estate news last week, with some positive and negative signs for the housing industry. Sales of [...]

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I stopped paying my mortgage when my loan was sold. Now what?

I stopped paying my mortgage when my loan was sold. Now what?

By Ilyce Glink| 2018-05-18T15:27:12-05:00 May 18th, 2018|

This reader stopped paying his mortgage when his loan was sold. It’s been a few years since he made a mortgage payment and apparently has little contact with the lender. Q: My mortgage was sold to a loan processor in 2011. I got a welcome letter saying my payment was $635 when it really should [...]

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What Happens to My Property Taxes When I Pay Off My Mortgage?

What Happens to My Property Taxes When I Pay Off My Mortgage?

By Ilyce Glink| 2022-09-18T10:30:28-05:00 May 18th, 2018|

What happens to my property taxes when I pay off my mortgage? I am finally done paying off my mortgage, but I’m wondering if my property taxes will change. Will my real estate taxes change or will my property be reassessed after making my last mortgage payment? Q: I’m just about to pay off my [...]

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Lender Declined Mortgage Modification, but Then Canceled The Loan

Lender Declined Mortgage Modification, but Then Canceled The Loan

By Ilyce Glink| 2018-05-11T10:20:15-05:00 May 11th, 2018|

It doesn’t often happen that the lender declines to do a mortgage modification six times, and then out of the blue cancels the loan balance and releases the lien. In this case, the lender did just that, but the homeowner is still worried she might lose her mortgage. Q: I’ve been working with my bank [...]

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Taking Out a Mortgage With My Mother-In-Law: Good Idea?

Taking Out a Mortgage With My Mother-In-Law: Good Idea?

By Ilyce Glink| 2018-05-15T17:08:04-05:00 May 11th, 2018|

My husband is going to take out a mortgage with my mother-in- law, put the house into a trust, name themselves as the trustees, and my husband and his siblings as the beneficiaries. Is taking out a mortgage with my mother-in- law a good idea? Q: My husband and I made on offer to my [...]

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Will Adding Child to Title Increase Property Taxes?

Will Adding Child to Title Increase Property Taxes?

By Ilyce Glink| 2022-09-18T11:50:56-05:00 May 4th, 2018|

Will adding a child to the title of a property increase property taxes? A father wants to add his child to the title to his home, but his child is worried that this will increase property taxes. She might be worried about the wrong thing. Q: I was wondering if you might be able to [...]

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Mobile Homes and Property Titles: What You Need to Know

Mobile Homes and Property Titles: What You Need to Know

By Ilyce Glink| 2022-09-18T10:36:09-05:00 April 27th, 2018|

Mobile homes and property titles: What you need to know to ensure your mobile home is properly insured and recorded in your name. Q: In September 2017, you wrote an article about how "title insurers don't deal with mobile-home issues" in our local Ohio paper. This is exactly our situation. We have contacted the motor [...]

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