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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

Refinance Adds Years To Mortgage

By | November 14th, 2024|

Refinance Adds Years To Mortgage Payoff Q: My husband and I refinanced our home in 2010. Years later, our mortgage was sold to another lender. I was slow on this but I noticed that the maturity date of the new account is showing 8 years beyond when our original mortgage was to end. I've tried [...]

Paying Off Mortgage: House in Trust

By | November 12th, 2024|

Paying Off Mortgage: House in Trust Q: I watched one of your videos about paying off your mortgage and I have a question. I have a living revocable trust and my home has been titled in the name of the trust. My mortgage will be paid off soon. Let’s say I die. and at that [...]

Pros and Cons of Joint Financial Accounts

By | November 7th, 2024|

Joint Financial Accounts: Pros and Cons Q: Could you explain the pros and cons of having joint financial accounts with a daughter? I also own my home with her as well? My husband has passed away. I have a will and other needed documents. A: We’re sorry for your loss. We understand how having joint [...]

Square Footage: Sizing Up a House Correctly

By | November 6th, 2024|

Square Footage: Sizing Up a House Correctly Comment: I read your article on how people buy homes and use the square footage of the home to compare one home with the other. I wanted to let you know there is an ANSI standard for measuring square footage of a residential unit though few in our [...]

Reverse Mortgages After Death

By | October 23rd, 2024|

Reverse Mortgages After Death What happens to a house that has a reverse mortgage after the owner passes away? Q: I took out a reverse mortgage back in 2009. The Department of Housing and Urban Development (HUD) holds the mortgage and they have a different company that services the loan. I have approximately $100,000 in [...]

Zoning: Selling Separate Lots

By | September 9th, 2024|

Zoning: Selling Separate Lots Q: We bought our home in 1984. The deed read that the home was built on one of two separate lots. We are now thinking about moving. In considering our options, we realized the property values in our neighborhood have increased dramatically. In fact, they’re so high that we’re thinking of [...]

Selling Rental Properties?

By | July 29th, 2024|

Selling Rental Properties? Real estate investor wants to know if he should sell his rental properties and invest the proceeds elsewhere Q: I am 60 years old with a pension. I've invested in rental properties in the past and currently own six rental properties. I have no mortgages on these properties and paid around $100,000 [...]

Repaying Loan Early?

By | July 29th, 2024|

RepayRepaying Loan Early? Should this homeowner cash out investments to repay their mortgage? Q: We only owe about $60,000 on our house (thanks to your sound financial advice when we got the mortgage, and suggestions about making extra payments along the way). We have two dividend reinvestment plans (DRIP) worth about $110,000 (again, due to [...]

Paid Off House: Will It Affect My Trust?

By | June 28th, 2024|

Paid Off House: Will It Affect My Trust? If your house is in a trust, will paying off the mortgage affect the successor trustee? Q: Well, I just paid off my house and don't know what the next steps might be. I did receive a letter from my mortgage lender congratulating me on paying off [...]

Getting Rid of a Timeshare

By | June 13th, 2024|

Getting Rid of a Timeshare A reader has tried some common recommendations for getting rid of a timeshare, but is running into a brick wall.  Q: I frequently read your column/advice in my local paper. I’ve read your advice about getting rid of timeshares. I tried one of your recommendations about calling the timeshare and [...]

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