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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

Five Real Estate Tax Tips You Should Know Before 2014

By | December 6th, 2013|

As a homeowner, you can reduce the amount of tax you will owe on April 15 if you take some simple steps before the end of the 2013 tax-filing season. It’s important to get your ducks in a row now—if you wait until the new year dawns, you’ll have to wait a full year to [...]

Vampire Foreclosures Raise Housing Market Fears

By | December 3rd, 2013|

http://youtu.be/rC4G1IjjD_w A new type of foreclosure is lurking across the U.S., raising fears in the housing market. Nearly 50 percent of bank-owned homes across the country are now considered “vampire foreclosures,” according to RealtyTrac, because they are still lived in by the previous owner.  In some cities such as Chicago, Los Angeles and Miami, [...]

Glinkonomics: Are FHA Loans A Bad Deal Due To Mortgage Insurance Costs?

By | November 17th, 2013|

Glinkonomics (Ilyce's take on what's going on in the economy this week), Ilyce discusses whether FHA loans are a bad deal due to mortgage insurance costs. If you need a mortgage and can’t afford a 20 percent down payment, are FHA loans a bad idea? Recently, the Federal Housing Administration’s mortgage insurance has skyrocketed, making [...]

Refinancing Your Mortgage: Cash-In or Cash-Out?

By | November 12th, 2013|

Despite a recent upswing, today’s mortgage interest rates remain low. If you’re considering a refinance before rates edge up, it’s important to first understand your options. Refinancing your mortgage can be a good choice if you want to lower your interest rate or monthly payment, or if you need to tap into your equity in [...]

Glinkonomics: Why Now Is The Time to Refinance Your Mortgage

By | November 3rd, 2013|

Glinkonomics (Ilyce's take on what's going on in the economy this week), Ilyce discusses why now is the time to refinance your mortgage. Mortgages interest rates have come down, and now is the time to refinance your mortgage if you haven't done so already. Three months ago interest rates were at a high of nearly [...]

How Much Can I Afford to Spend on a Mortgage?

By | September 25th, 2013|

Buying a home is exciting, but it usually comes with a lot of questions—the biggest of which is usually “How much can I afford to spend on a mortgage?” In order to figure it out, you need to understand all of the expenses involved in owning a home. Scroll down for video Mortgage companies look [...]

Four Questions to Ask When Buying a HUD Home

By | September 23rd, 2013|

A HUD home is one that was originally purchased with an FHA loan and has, through foreclosure, become property of the Department of Housing and Urban Development (HUD). In short: It’s an FHA foreclosure. Buying a HUD home - while different from buying a non-distressed home - can be a great way to get a [...]

Three Reasons Refinancing Your Mortgage is So Complicated

By | September 13th, 2013|

Mortgage interest rates are on the rise, but today’s rates are still well below the historical average of 7 percent. If your interest rate is above today’s average, you may have already tried—and failed—to refinance your mortgage, maybe more than once. Why, if you have remained current on your mortgage through these tough economic times, [...]

Locking a Mortgage Rate: What You Should Know

By | August 24th, 2013|

When locking a mortgage rate, you should know who's responsible for missing a rate lock. Try to find a lender who will help with a mortgage rate lock. Q: I am in the middle of completing a refinance of my home and missed my rate lock due to an un-recorded deed. As soon as this [...]

Should I Use My Inheritance to Pay Off My Mortgage?

By | August 23rd, 2013|

Using an inheritance to pay off your mortgage can help pay down your mortgage faster. Consider using an inheritance to pay down debts.  By: Ilyce Glink and Sam Tamkin Q: I have a 20-year fixed mortgage and am two years into it. If I inherit a chunk of money and want to pay down my [...]

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