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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

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 [...]

Refinancing a Mortgage With Just $26,000 Left to Pay

By | December 21st, 2017|

Refinancing a mortgage late in the life of the loan could cost you more than it’s worth. Here are a few options if you’re looking to lower your financial burden. Q: Is it wise to refinance my mortgage if it has a balance of just $26,000? The loan was for 30 years at a fixed [...]

I Pay the Mortgage. Do I Have Rights to my Parent’s Home?

By | December 20th, 2017|

Do you have rights to your parents home if you paid their mortgage? You have to consider all of the details of the arrangement before you can claim rights. Q: My husband and his brother paid for a vacation home that was titled in the name of their parents. My mother transferred money out of [...]

She Inherited Her Dad’s House But His Ex-Wife Just Moved In

By | December 14th, 2017|

She inherited her Dad’s house but his ex-wife just moved in. How do you remove your dad’s ex-wife from a house you inherited? Q: My wife just found out her father died. His home, which is in South Carolina, was left in a living trust. She was also told she is the last living and [...]

Can Lenders Revoke a Mortgage Refinance?

By | December 8th, 2017|

Can lenders revoke a mortgage refinance if a relative takes her name off the title? When a co-borrower removes her their name from the title during the refinancing process, it can cause complications for the homeowner trying to get the loan. Q: Both my daughter and I are named on her mortgage loan and title [...]

No will? What Happens to Homeownership and Property Taxes

By | December 7th, 2017|

What happens if there’s no will? Homeownership and property taxes are two key issues to sort out if someone dies intestate (with no will) but has real property. Q: Does a family member or friend have to start paying property taxes after the owner of the house (who was over 65) dies in order to [...]

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