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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

When You’re Dropped by Your Homeowners Insurance Company

By | August 26th, 2015|

Homeowner’s insurance coverage is designed to protect your finances if a catastrophe befalls your biggest asset. It can help you recover from unexpected—and expensive—damage to your home, and most lenders require you to purchase it before they will close on your loan. If you’ve been dropped by your homeowner’s insurance company, you may run the [...]

Paying for Home Renovations: Tapping Home Equity vs. Using Savings

By | July 22nd, 2015|

Figuring out how to pay for a home renovation is one of the first steps in any remodeling process. When they’re done wrestling with the cost of a home renovation, most homeowners have to decide how to fund a remodeling project. And in some cases, the options can be paying for it in cash or [...]

How the TILA/RESPA Integrated Mortgage Disclosure Rule Is Changing Real Estate

By | June 24th, 2015|

Last week, the Consumer Finance Protection Bureau (CFPB) announced that the TILA/RESPA Integrated Mortgage Disclosure rule, which has so many in the real estate industry chewing on their fingernails, would now be starting October 1st. That’s a two-month reprieve for mortgage lenders, real estate agents, real estate attorneys, title and escrow companies. And, they’ll need [...]

With Today’s Low Interest Rates, Should I Pay Off My Mortgage Early?

By | June 22nd, 2015|

You’ve may have read that you should prepay your mortgage early to save on your total interest payments. But if you have refinanced or purchased a home recently, you may be one of the millions of homeowners whose mortgage is at historic or near-historic low interest rates. Odds are possible that rates won’t be this [...]

Could Your Dog Keep You From Getting Homeowner’s Insurance?

By | June 16th, 2015|

When it comes to homeowner’s insurance, some pet owners are finding theirs goes to the dogs these days. Some insurance carriers are refusing to insure homeowners who own certain breeds of dogs that have been deemed dangerous, such as the Pit bull dog, Rottweilers, and Chow Chows. Others may take the dogs on a case-by-case [...]

Should I Use a HELOC to Pay Off Credit Card Debt?

By | May 13th, 2015|

If you own a house and have credit card debt, you may be considering using a home equity line of credit (HELOC) to pay off your credit card debt, and with a lower interest rate. When you take out a HELOC, you open up a revolving line of credit from your mortgage lender where your [...]

Should I Get a Reverse Mortgage?

By | April 30th, 2015|

According to an August 2014 study conducted by Merrill Lynch, when it comes to homeowners, seniors tend to carry less mortgage debt, have more equity in their homes, and tend to have greater net worth .These trends make older Americans a favorable target for marketers of financial products and services, including reverse mortgages. These mortgages [...]

Everything You Wanted to Know About an All-In-One Mortgage

By | March 20th, 2015|

It’s a dilemma many homeowners face: I want to put more money toward my house so I will pay less interest in the long term, but I also want to keep cash on hand in case an emergency crops up and I need it in the short term. The all-in-one mortgage or “accelerator mortgage” is [...]

Mortgage Brokers vs. Mortgage Bankers

By | March 20th, 2015|

As a first-time homebuyer, you’ll hear a lot of advice telling you to shop around for a mortgage. Ideally, this doesn’t just mean contacting a bank or two. It also means talking with different types of lenders and brokers. But, frankly, it can be hard to tell the difference between these options—particularly between a mortgage [...]

How to Get A Mortgage If You’re Self-Employed

By | March 16th, 2015|

If you’re self-employed, getting a mortgage can be a lot harder than it would be if you were working for someone else. What can you do if you want to buy a house but don’t have a full-time job? The good news is most lenders are willing to work with self-employed borrowers once they’ve taken [...]

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