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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

How Do I Avoid Lowering My Credit Score?

By | June 13th, 2024|

How Do I Avoid Lowering My Credit Score? Q: I am widowed, retired, love to travel and grateful I have the wherewithal to do so. I am looking at getting an airline credit card to take advantage of their 75,000 point offer that my daughter says is worth around $750. I already have way more [...]

Best Cyber Resource Center

By | April 25th, 2024|

Best Cyber Resource Center In today's increasingly connected world, cyber crime has become a growing concern for individuals and businesses alike. According to the FBI's Internet Crime Report 2023, there were over 880,000 reported cyber crime incidents in the United States alone. That's up a staggering 22% increase in cyber crime compared to 2022. Cyber [...]

Debt: How One Bad Move Can Wreck Your Financial Life

By | March 11th, 2024|

Debt: How One Bad Move Can Wreck Your Financial Life Q: Thanks for your Love, Money + Real Estate financial newsletters. You helped me back in 2008 when the Great Recession hit and I was able to save my townhouse from foreclosure. Fast forward. I moved to Sonoma County, California about 10 years ago. I [...]

Fidelity National Financial’s Cyber Attack

By | November 30th, 2023|

Fidelity National Financial's Cyber Attack Recently, Fidelity National Financial, a Fortune 500 provider of title insurance for buyers and sellers, was hit by a devastating cyber attack. Fidelity National Financial submitted regulatory documents to the U.S. Securities and Exchange Commission acknowledging the attack on November 21, 2023 and describing how it handles the situation. “Among [...]

Do I need a quit claim deed?

By | November 15th, 2023|

Do I need a quit claim deed? Reader wonders if she needs a quit claim deed if living trust is in place Q: Is there any risk, concern or benefit to simply adding a child to title through a quit claim deed (not replacing homeowner on title, but adding)? This child is the beneficiary and [...]

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 [...]

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