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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

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

By | 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 [...]

Lender Declined Mortgage Modification, but Then Canceled The Loan

By | 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 [...]

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

By | 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 [...]

Will Adding Child to Title Increase Property Taxes?

By | 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 [...]

Mobile Homes and Property Titles: What You Need to Know

By | 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 [...]

What Happens to a Quit Claim Deed When a Spouse Dies?

By | April 27th, 2018|

What happens to a quit claim deed when a spouse dies? It all depends on the type of deed transfer and their estate plans. Q: What happens if you and your wife own a home through a quit claim deed and the spouse dies? We live in the State of Maine. A: A quit claim [...]

I’m Struggling To Pay My Mortgage. What Are My Options?

By | April 20th, 2018|

I’m struggling to pay my mortgage. What are my options? Is it worth going back to a high paying job but missing out on time with the kids? Here’s what I suggest: Q: I need $8,000 to bring my mortgage to date. It costs me $1,000 per month. I have $100,000 in equity. It seems [...]

My Ex Has a Home Equity Line of Credit on My Home. Now What?

By | April 13th, 2018|

My ex has a home equity line of credit on my home. Now what? First step is to talk to your divorce lawyer before making any more real estate deals. Q: I have a house that is paid off that I own in my name only. My soon to be ex-husband has an equity line [...]

Is a Reverse Mortgage Right for You?

By | April 6th, 2018|

Is a reverse mortgage right for you? Or should you get a HELOC? Consider these factors before you commit to a reverse mortgage or HELOC. Q: My wife and her sister were given their mother’s home when she passed away. The property was mortgage-free. For the past six years, her sister has been living in [...]

How to Know if You’re Getting a Correct Land Survey

By | March 30th, 2018|

How to know if you’re getting a correct land survey. From credentials to the title of  surveying documents, there’s a lot to look out for to see if the surveyor is up to snuff. Q: When we purchased land we had a new survey done. Three months later, during our construction process, our lender required [...]

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