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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

Fix and Flip Loans with Hard Money Lenders

By | August 23rd, 2013|

Considering a fix and flip loan with a hard money lender? Think carefully about the double-digit interest rate before signing on. Q: I enjoyed reading your story about on how distressed property REO investments may undermine housing markets. I am the marketing director at a leading hard money lender to residential real estate investors in [...]

Options for Underwater Homes: When Filing for Bankruptcy Makes Sense

By | August 17th, 2013|

Wondering about options available for underwater homes? If the bank denies a short sale, you may have to file for bankruptcy. Q: My husband and I purchased a condotel unit in Hawaii in 2006 and the property is way under the water now. We have been trying very hard to keep up with mortgage and [...]

How to Take Legal Action Against a Contractor

By | August 10th, 2013|

Knowing how to take legal action against a contractor can be complicated. To avoid problems, do a lot of research before hiring a contractor. Q: I’d like to find out what legal actions I can take against contractors. I purchased a home that was a fixer-upper and hired a contractor to do the work, but [...]

Should I Pay off My Mortgage or Invest in Retirement?

By | August 10th, 2013|

Deciding whether to pay off your mortgage or invest in retirement is a common question. Try paying your mortgage with existing funds. By: Ilyce Glink and Samuel Tamkin Q: My husband and I bought a new house a few years ago and are getting ready to sell our old house. With the sale of the [...]

When Can I Refinance After a Short Sale?

By | August 9th, 2013|

Knowing when you can refinance after a short sale is crucial. Generally you will wait two to three years before getting a new loan approved. By: Ilyce Glink and Samuel Tamkin Q: Thanks for all the good information you provide. About 18 months ago, I sold short an investment property. I would like to refinance [...]

Refinance a 30-Year Mortgage to a 15-Year: How to Decide

By | August 2nd, 2013|

When deciding to refinance a 30-year mortgage to a 15-year, know that it could build up equity faster and save money over the life of the loan. By: Ilyce Glink and Samuel Tamkin Q: I recently talked to Chase and Quicken Loans and Quicken came back and said I could lower my monthly payment by [...]

Ilyce Glink Show – Mortgage Delinquency Rates are Up – July 28, 2013

By | July 28th, 2013|

Ilyce Glink Show on WSB Radio: New data shows that mortgage delinquency rates are up after five months of improvement. On this week’s Ilyce Glink Show on WSB Radio, Ilyce discussed how mortgage delinquencies have taken a sharp turn up. According to Lender Processing Services, the national delinquency rate is at 6.7 percent, which is [...]

When Does It Make Sense to Refinance a Home Loan?

By | July 26th, 2013|

When does it make sense to refinance a home loan? Depending where your mortgage is, it may not be wise to pay thousands of dollars to refinance. Q: I was listening to you today on WGN radio and wanted to ask about my Condo loan. I refinance my home in 2000 at a rate of [...]

Are Hedge Funds Inflating Real Estate Prices?

By | July 25th, 2013|

Home prices are rising at a double-digit rate, surprising experts and consumers alike. In some California markets, real estate prices are zooming so fast that they have ignited bidding wars and raised concerns that these real estate markets are facing another bubble—and subsequent crash. A number of factors are contributing to rising prices. The most [...]

Problems with Home Appraisals Today

By | July 22nd, 2013|

Many people have problems with home appraisals today. There has been a reduced emphasis on local market knowledge by lenders. The housing crisis has left buyers, sellers and homeowners facing some difficult moments wondering whether the home they want to buy, sell or refinance will appraise out in value. We’ve answered a number of questions about [...]

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