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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

Home Builder Disclosure Didn’t Predict Association Budget Deficit

By | June 24th, 2013|

Home builder disclosure didn't predict association budget deficit? If the builder knew the disclosures were false, talk to an attorney. Q: I have a question about the ethics and any legal issues you see in a situations we have. We live in a small, seven home subdivision that was recently turned over by the builder [...]

How Soon Can I Refinance After Buying a Home With Cash?

By | June 24th, 2013|

How soon can I refinance after buying a home with cash? Once you own the home, apply with a lender for cash out refinancing on the home. By: Ilyce Glink and Samuel Tamkin Q: I just read your very informative article on the competitive market and cash offers. I'm a part-time real estate agent and [...]

Mortgage Rate Lock Advice: Make Sure It’s Locked

By | June 15th, 2013|

Need mortgage rate lock advice? Check with your loan officer to make sure it's locked before mortgage interest rates rise. Q: We started working with a loan officer at a bank because he was recommended by our real estate agent and also participates in a program with my employer to help get employees lower interest [...]

Should I Refinance My Adjustable Rate Mortgage?

By | June 14th, 2013|

Should I refinance my adjustable rate mortgage into a fixed-rate loan? Refinancing your ARM now could increase your interest rate.  Q: I owe more on my mortgage than what my house is worth. And, unfortunately, my loan isn't owned by Freddie Mac or Fannie Mae, and it is an adjustable rate mortgage. What are my [...]

Owing More Than House Is Worth – Should I Get A Renovation Loan?

By | June 7th, 2013|

Owing more than your house is worth? When deciding if you should get a renovation loan, think about if the debt you'll owe is worth it. Q: My home is like most in our neighborhood: I owe more than what it's worth. I would continue to live in my home until I'm ready to sell, [...]

Is The Foreclosure Crisis Over?

By | May 31st, 2013|

  Is the foreclosure crisis over? Home prices are rising, but there are still too many foreclosures to be a normal housing market. It depends on where you stand. Is this your reality? The housing market is on an upswing. Mortgage interest rates are still low, home prices are rising dramatically, and the stock prices of companies [...]

Wrong Address on Mortgage Documents

By | May 24th, 2013|

Got the wrong address on your mortgage documents? Don't worry too much about a typo on your mortgage documents. Q: My mortgage documents list my property address incorrectly. It's a small typo. The lender misspelled the name of my street. Will this cause me problems when it comes time to sell my property? I can’t [...]

Joint Mortgage Payment Problems

By | May 18th, 2013|

Joint mortgage payment problems can stem from one of a few things. Be sure to know who owns what and what percentage of property each owner owns. Q: I hope you can help me out with the following problem: My husband owns 50 percent of this house. The other 50 percent belongs to another couple, [...]

Should You Prepay Your Mortgage?

By | May 17th, 2013|

Many people wonder if they should prepay their mortgage. Prepaying a mortgage isn't the best thing for everyone and requires financial planning.  Q: I enjoy your articles but I think you left out a couple of extremely important items in your questions to ask about taking out a mortgage loan. In some states, prepayment penalties [...]

Paid Off Mortgage Documents: What Do You Need?

By | May 10th, 2013|

Paid off your mortgage? To get documents showing your mortgage is paid off, check with your lender for a paid-in-full letter. Q: In your recent Real Estate Matters column you said that when you pay off your mortgage you should receive -- among other things -- the original note marked "paid" or shown with a [...]

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