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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 Appraisals: electronic or in-person?

By | November 14th, 2023|

Home Appraisals: electronic or in-person? Lenders often choose an electronic home appraisals vs. in-person appraisals because of cost Q: I really like and appreciate your "Real Estate Matters" column. About a week ago, you had a column about how to protect your home from someone trying to take out a fraudulent mortgage against it. In [...]

Final Mortgage Payment

By | October 27th, 2023|

Final mortgage payment not accepted by check Q: When my 360th (and final) mortgage payment came due I was informed that a personal check wouldn't be acceptable. I had to submit a certified check with almost more information on the check than could fit. I had to include everything except my inseam size number of [...]

Mortgage Scam: How to protect your single biggest asset

By | October 24th, 2023|

Mortgage Scam How to protect your single biggest asset Q: I have paid off the mortgage on my home. But, I am concerned. I have heard that someone can take a loan out against your home without you knowing and you could lose your home. To address my concern without knowing other options, I am [...]

Will Quitclaim Deed Remove Ex-Spouse from Mortgage?

By | October 11th, 2023|

Will Quitclaim Deed Remove Ex-Spouse from Mortgage? Q: My ex-spouse will sign a quitclaim deed to me on the house we lived in. Will that quitclaim deed remove her name from the mortgage? Her name is not on the loan promissory note but she did sign on the mortgage document. How can I remove her [...]

Mortgage Due: Daughter not paying loan to mom

By | October 9th, 2023|

Mortgage due but daughter isn't paying. Is the IRS a threat? Q: I lent my daughter money to buy a home. It's been a couple of years since she made a payment to me. That’s mostly due to Covid shut-downs of her work and her health issues. Her home has continued to appreciate. I am [...]

Can’t Pay Mortgage: Final Payment is Due

By | September 29th, 2023|

Can't pay mortgage. Final payment is due. Now what? Q: Let's say your home mortgage's final payment comes due and you can't pay it before the due date. How many days do you have after the due date to make the final payment, without losing your home? A: If we understand your questions correctly, you’ve [...]

Loan Payment Due?

By | September 5th, 2023|

Loan payment due? Seller bought and flipped home quickly, confusing lenders about whether a loan payment was due.   Q: I purchased a home on June 30th. I was made aware in loan documents and by the closing agent that my loan would be sold to another lender. Also, I received a letter in the [...]

What is a Reverse Mortgage?

By | June 1st, 2023|

What is a reverse mortgage? And, why does a reverse mortgage hurt rather than help an elderly homeowner? Q: I was recently evicted from my home, where I lived with my mother before she died. This is due to a reverse mortgage. I am disabled and now have no home. My mother signed this loan [...]

Inheriting a Home: Options to Consider

By | January 27th, 2023|

Are you inheriting a home? There are several options to consider if you'll be the beneficiary of this sort of bequest and don't want to keep it. Inheriting a Home: To Keep or Sell Q: I read your column regularly and always find it very interesting and informative. I have a rather complicated question: My [...]

2023 Home Buyer Resolutions

By | December 26th, 2022|

Every year, Ilyce and Sam offer their readers New Year’s resolutions for home buyers, sellers and their personal finances. These are their 2023 Home Buyer Resolutions. My, how the tide is shifting for home buyers, sellers, renovators, investors, and owners.  At the end of 2021, we wrote that “Covid is a trend accelerator.” When it [...]

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