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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 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 [...]

Is Your Mortgage Loan Forgiven When You Outlive the Lender?

By | January 19th, 2018|

Is your mortgage loan forgiven when you outlive the lender? Certain legal loopholes may make it a possibility, but don’t bet on it. Q: I have paid $30,000 of a $60,000 mortgage on vacant land but then got behind on payments. The owner has failed to foreclose. I have continued to pay the real estate [...]

Handling Tax Issues With A Rent-to-Own Home

By | January 12th, 2018|

Handling tax issues with a rent-to-own home can cause some tension between the landlord and tenant. You’ll want to have all the details before you make your next move. Q: I’ve been renting-to-own a home for a little over a year now. The owner of the home told me he would continue to pay the [...]

Can You Lose Your Home if the HOA Goes Bankrupt?

By | January 12th, 2018|

Can you lose your home if the HOA goes bankrupt? This reader’s HOA management has made some bad decisions which has homeowners worried about their property. Here’s my take. Q: Our homeowners association (HOA) has been sued. I have been reading that it is not likely the HOA can declare bankruptcy if it loses the [...]

What Happens to My Timeshare After My Death?

By | January 12th, 2018|

What happens to my timeshare after my death? Scammers will try to convince you that your children will be responsible, but is that really the case? Q: I just read your article about considering fees and finances before inheriting a timeshare. As a timeshare owner who cannot sell or give his timeshare away (because, as [...]

I Pay My Parents’ Mortgage. Do I Have to Tell the Mortgage Company?

By | January 5th, 2018|

I pay my parents' mortgage. Do I have to tell the mortgage company? This reader may have issues down the line if they wait to inform the loan servicer. Q: The home I live in was owned by my parents who both passed away several years ago. I have always made the payments and continue [...]

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