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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

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 [...]

Mortgage Interest Rates in 2015

By | March 6th, 2015|

If you’re thinking about buying a home or refinancing in 2015, don’t worry about mortgage interest rates because they don’t seem to be going anywhere.  Mortgage rates are sliding so far in 2015, including some of the most popular types like fixed-rate mortgages. The 30-year rate for this type is now well below 4 percent, [...]

When Should You Refinance Your Mortgage?

By | February 18th, 2015|

With today’s low interest rates, many homeowners are refinancing their mortgages. In doing so, they will be not only paying less interest over the life of the mortgage but also lowering their monthly payments. Timing is everything when it comes to refinancing your mortgage. If you wait too long and interest rates climb, you could [...]

What to Do If You’re Rejected for a Mortgage

By | January 30th, 2015|

Getting turned down for a mortgage can be disappointing and leave a person wondering what to do next. And while it may feel like an isolated, personal experience, it’s actually more common than you might think. According to the Federal Reserve, in 2013, approximately 14.5 percent of applications for home mortgages were denied, down from [...]

Five Predictions for Real Estate in 2015

By | January 12th, 2015|

In 2015, the U.S. housing market will take another step toward what might be considered “normal.” In fact, Rick Sharga, executive vice president of real estate marketplace Auction.com, says this year will be “a ‘status quo’ ‘kind of year,” bringing slow but steady growth and an uptick in housing construction in the form of new, [...]

Getting a Mortgage with Student Loan Debt

By | January 12th, 2015|

Millions of American Millennials are dealing with significant student loan debt, but they are also eager to buy homes and start their adult lives. According to the Project on Student Loan Debt, about seven in 10 college seniors who graduated from public and private nonprofit colleges in 2015 had student loan debt, averaging $30,100. In [...]

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