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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 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 [...]

What’s the Best Way to Help a Family Member with a Private Mortgage?

By | March 23rd, 2018|

What’s the best way to help a family member with a private mortgage? Depending on how your structure the interest rates, you may face issue with the IRS. Q: I set up a private 15-year mortgage with my niece several years ago at 3.5 percent interest. The paperwork is all properly filed. She is down [...]

What You Need to Know About Prepaying a Mortgage

By | March 16th, 2018|

What you need to know about prepaying a mortgage. Based on the type of mortgage you have, your loan terms may change. Q: I saw your video on your YouTube Channel on how making an extra payment on your mortgage pays your loan down faster. When you make an extra payment do you apply all [...]

Home Titles and Property Taxes: What You Need to Know

By | March 9th, 2018|

Home titles and property taxes: What you need to know to make sure you don’t end up with a defective deed.   Q: We purchased a house and have been going through a lawyer to get our deed from the previous owner. In the meantime, we’ve been living in the house for well over a [...]

How To Save Money on Your Property Taxes When Moving Within the Same State

By | March 9th, 2018|

How to save money on your property taxes when moving within the same state. A tax assessment under your municipality's laws may help you save big bucks. Q: I thought you’d find the following information relevant concerning one of your recent correspondents. In that question, a homeowner was relocating within California and the reader wanted [...]

Unclaimed Property: How to Find an Assignment of Mortgage

By | March 2nd, 2018|

Have you received a notification about unclaimed property? How to find an assignment of mortgage if you need to prove that unclaimed property from the mortgage company belong to you.   Q: How do I find an assignment of mortgage to prove that the monies in the division of unclaimed property for my state belongs [...]

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