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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’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 [...]

What Happens When Property is Promised to You but Not Written in the Will?

By | February 23rd, 2018|

What happens when property is promised to you but not written in the will? Depending on how the will is written, you may be out of luck. Here’s what you should know. Q: My father told my dying sister her husband would receive her portion of his estate, including his house, in the presence of [...]

Ex-Spouse Uses Home Equity Line of Credit

By | February 23rd, 2018|

Ex-spouse uses home equity line of credit. If you didn’t change the name on the account during the divorce, they could be using your HELOC, and hurting your home’s worth in the process. Q: Can my ex-husband refinance our home equity line of credit (HELOC) without my consent? I have a signed quit claim deed [...]

Timeshares and Estate Planning: Is Probate Necessary?

By | February 2nd, 2018|

We recently received a letter in response to one of our readers who wondered whether the timeshare owned by a parent would become the reader’s responsibility after the parent’s death. This is what this person wrote (The letter has been edited for clarity and space). Q: You recently ran an article from a reader who [...]

Will a Loan From a Family Member Impact My Taxes?

By | February 2nd, 2018|

Will a loan from a family member impact my taxes? The IRS will treat the loan differently, depending on how you pay it back. Q: My mom is giving us money to buy a vacation home. We will pay her back monthly but it's more of a handshake agreement. Will there be any tax implications [...]

Millennials, Money and Mortgages

By | January 25th, 2018|

When it comes to money, Millennials are doing better than many people think. And yet the vast majority are still fretting about their money, even as the oldest part of the cohort has begun applying for mortgages. Let’s start with money. Millennials (age 23 to 37) are saving money. There’s no doubt about it. Nearly [...]

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