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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

Four Rules For Refinancing Your Mortgage

By | February 2nd, 2014|

It’s still a good time to refinance. In fact, it’s a great time to refinance your mortgage. Interest rates remain at historic lows, and locking in a low mortgage rate could save you a lot of money—tens of thousands of dollars over the life of your mortgage. Refinancing now is a smart move, but it’s [...]

Things to Know About Getting a Mortgage Under the New QM Rule

By | January 24th, 2014|

Home financing regulations have become a little more clear. New federal rules—which are intended to prevent the risky loans that sank the housing market—went into effect Jan. 10, and consumers may need to do a bit more work to get a mortgage. The QM rule is designed to ensure that lenders only make loans to [...]

How to Get the Best Mortgage Rate

By | January 20th, 2014|

The best mortgage rates are offered to those with the highest credit scores. This is true now more than ever. Since the housing market crashed, lenders only offer good mortgage rates if homebuyers have good credit scores. [VIDEO] If a borrower’s credit score is too low, the loan may not be approved at all. People [...]

Decide How Much Mortgage You Can Afford By Becoming Prequalified or Preapproved

By | January 13th, 2014|

Being prequalified or preapproved for a mortgage can help you determine how much home you can afford. If you are a potential homebuyer hoping to secure a new home that is within your family’s budget, get prequalified or preapproved for a home loan and determine the mortgage payments you can afford for your dream home. [...]

How Will the New Mortgage Rules Affect You?

By | January 12th, 2014|

How will the new mortgage rules affect you? If you're applying for a loan, whether it’s a primary loan to buy property or to refinance, the new mortgage rules matter to you. The new mortgage rules went into effect on January 10th. Basically they say that lenders have to make sure borrowers can afford to repay [...]

What is QM and the Qualified Mortgage Rule?

By | January 10th, 2014|

QM, or the qualified mortgage rule, kicks in Jan. 10. That means that mortgage lending is about to change somewhat as lenders deal with QM changes and work to meet all the rules they must follow to make a qualified mortgage. If you’re feeling confused—it is a tricky subject—this QM Q&A should clear some things [...]

Underwater Homeowners Suddenly See Big Equity Gains in Real Estate

By | January 9th, 2014|

In a big surprise for the housing market, more American homeowners emerged from deeply underwater mortgages at the end of the year—about a million more than were even expected. During the course of 2013, 1.6 million homeowners moved away from being deeply underwater, which is when a home is worth at least 25 percent less [...]

Rising Mortgage Insurance Costs Could Make FHA Home Loans a Bad Deal for Many Buyers

By | January 9th, 2014|

The rising costs of mortgage insurance could make FHA loans a bad deal for many homebuyers. The Federal Housing Administration, or FHA, allows for low down payments for buyers even if that buyer has a low credit score, but it comes at a high cost. http://youtu.be/2i6Ir-kvImg Many buyers who need a mortgage to buy [...]

How to Lower Your Property Taxes

By | December 12th, 2013|

Many homeowners face increased property taxes, even as the value of their home has fallen. If you’re one of these homeowners, you’re probably wondering how to lower your property taxes. [Scroll down for video] It takes work, but it can be done. Here are three things you need to do in order to lower your [...]

What You Need to Know About the 2014 Mortgage Market

By | December 10th, 2013|

This year has been a particularly busy one for me. My husband and I have been involved in six separate real estate deals in 2013, including purchase, sale, and refinance transactions. Because 2013 has been a year of continued recovery for the mortgage industry, I paid close attention to the home financing options available and [...]

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