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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

Real Estate Boom and Bust: Taking a Loss on a Condo

By | April 12th, 2013|

The real estate boom and bust dropped home values severely. Taking a loss on a condo might be your only option other than to wait. Q: Back in 2005, I purchased a condo with cash for my disabled son to live in. I used an inheritance to buy the condominium, which was located near my [...]

What Kind of Mortgage Can You Afford?

By | April 8th, 2013|

During the housing boom, many homeowners found themselves living beyond their means as easy money skewed expectations of what they could afford. Today, being honest with the realities of the real estate market and mortgage landscape can feel like taking a step backward. So how can homeowners and renters stay within their means and aspire [...]

What to Know Before Refinancing Your Mortgage

By | April 6th, 2013|

Refinancing your mortgage? Before you refinance your mortgage, here's what to know and ask during the loan application process. Q: I enjoyed your recent column that appeared in our local paper. I've just gone through a refinancing and found myself wondering about certain questions I should have asked. The main question was whether my loan [...]

Quit Claim Deed and Mortgage Responsibility: Getting Name Off Mortgage

By | April 5th, 2013|

Quit claim deed and mortgage responsibility don't go hand in hand. Getting your name off the mortgage is possible when refinancing. Q: I did an act of donation on my house to my ex-husband. He is going to give me a fixed payment once he refinances the home. Is there a way to get my [...]

Getting Approved for a Home Loan

By | April 2nd, 2013|

Getting approved for a home loan is scary if you don't know how much home you can afford. Ilyce Glink explains in today's Real Estate Minute. Getting a home loan doesn’t have to be scary. You just have to know your limits when it comes to taking on debt. The housing bubble and great recession [...]

Paying Off Second Mortgage with Home Equity Loan

By | March 30th, 2013|

Thinking about paying off your second mortgage with a home equity loan? Make sure you don't pay more than nominal fees. Q: My first mortgage will be paid in full in a couple of weeks. My home is worth around $300,000. I have a second loan of less than $30,000 with an interest rate of [...]

Ilyce Glink Show – Refinancing an FHA Loan – March 24, 2013

By | March 24th, 2013|

WSB Radio’s Ilyce Glink Show: Refinancing an FHA loan, selling your first home and cutting back on spending. On this week’s Ilyce Glink Show on WSB radio, Ilyce explained the first rule for her concept of “rebuilding America one house at a time”—getting yourself back to ground zero. Ilyce’s idea for rebuilding America starts at [...]

Transfer on Death Deed vs. Quit Claim Deed | What’s the Difference?

By | March 23rd, 2013|

Transfer on death deed vs. quitclaim deed: what's the difference? A transfer on death deed is not the same as a quit claim deed. Q: I have read many articles from you concerning quitclaim deeds. I have a very specific question related to it. Does the IRS say the grantor is giving a gift to [...]

Should I Refinance for 15 or 30 Years?

By | March 22nd, 2013|

Should I refinance for 15 or 30 years? When refinancing a rental property, think about your long term and short term goals. Q: I am interested in refinancing a rental property that qualifies for the Home Affordable Refinance Program (HARP). I owe $91,000 on the first mortgage and I have a second mortgage at $19,000. [...]

Mortgage Fraud Cases: Selling House to Yourself

By | March 16th, 2013|

There are many mortgage fraud cases these days. Selling a house to yourself is considered mortgage fraud, which is illegal.  Q: I just formed an S Corporation and I would like to raise some capital. Can I buy a house with my corporation at a good deal then sell it back to myself with a [...]

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