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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 Reaffirm My Mortgage Debt After Bankruptcy?

By | August 8th, 2014|

If you’ve found yourself in financial difficulty, you may be considering bankruptcy, which allows you to settle with your creditors in court. In a bankruptcy, you may be able reorganize your debts to make your payments more manageable—or even eliminate your debts completely. While a bankruptcy can help you get rid of your debt in [...]

Why Aren’t My Mortgage Payments Being Reported After Bankruptcy?

By | August 3rd, 2014|

Bankruptcy filings increased nearly 30 percent at the height of the Great Recession, and many Americans are still recovering. Fortunately, some of my listeners are rebuilding their lives and moving on from bankruptcy. Others wonder why their mortgage payments aren't being reported after bankruptcy. On last week’s radio show, one listener said her bank told her [...]

Buying a Condo vs. a Single-Family Home: What You Need to Know

By | July 2nd, 2014|

This article was written by guest blogger Steve Cook. Many of the important differences between buying a condominium and buying a single-family home are obvious: living space, neighborhood type, yard, maintenance, convenience, amenities, security, utilities, and transportation. However, there are some lesser-known, and often overlooked, differences that should also be considered when deciding between a [...]

Check Your Credit Score Before Shopping for a Mortgage

By | June 25th, 2014|

It’s selling season and buyers are excited to take advantage of the incredible low interest rates out there. But before you start shopping for a mortgage, you should check your credit score. You need to know where your credit stands to be able to work towards the house of your dreams. FICO credit scores start at 300 [...]

Can I Write Off the Interest on a HELOC?

By | June 19th, 2014|

The mortgage interest tax deduction is one of the big perks of homeownership. There’s a limit to how much you may deduct, though, and deducting more than your fair share could put you at risk of an audit. You may only deduct mortgage interest if the debt is secured by your main or second home, [...]

How to Choose the Right Mortgage for You

By | June 13th, 2014|

When you’re shopping for a mortgage, it can be hard to decide what the best option is for you. Should you take the lower interest rate of an adjustable rate mortgage (ARM), or is it better to lock in your rate for 30 years? The Consumer Financial Protection Bureau (CFPB) suggests seven things to keep [...]

How to Read a Good Faith Estimate

By | June 3rd, 2014|

Among all the paperwork that is exchanged during the home buying process, the Good Faith Estimate is arguably the most important piece of information a mortgage lender will give you. A Good Faith Estimate, or GFE, is a document your lender gives you that describes the basic terms of the loan and estimates how much [...]

Inheriting an Upside Down House

By | May 4th, 2014|

Q: My ex-husband is deceased, and we had two sons together. They are 34 and 35. His sister asked me to handle his estate and to help the boys with it. He has a house with an insurance policy that will pay for the mortgage for one year. We’ve applied for that, but he is [...]

3 Steps to Reduce Property Taxes

By | April 11th, 2014|

Are you paying too much in property taxes? Chances are your answer is yes. Well, there are three steps you can take to reduce your property taxes. Most homeowners feel overburdened by ever-rising property tax costs and want to take steps to reduce property taxes, though not every homeowner’s taxes are as oppressive as others. [...]

What Do I Need to Apply for a Mortgage?

By | March 27th, 2014|

Long gone are the days when securing a mortgage required a simple credit check. Since the housing market meltdown of 2008, the path to a mortgage has been lined with paperwork and red tape. “Regulations have made the pendulum swing so far in the opposite direction that there’s an overemphasis on documentation and verification,” says [...]

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