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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

Refinancing With Lien on Property: Title Insurance Issues

By | March 2nd, 2013|

Are you refinancing with a lien on your property? If you also have title insurance issues, you need to resolve them before you can refinance. Q: Our home has a lien on it from the Georgia Department of Revenue. The Department of Revenue gave us the go ahead to refinance our loan or get a [...]

Lower Your Mortgage Interest Rates: Refinance Now

By | February 23rd, 2013|

Now is the best time to refinance and lower your mortgage interest rates. Make sure your lender is giving you the best interest rates out there. Q: My current lender contacted me with an offer to lower the interest rate on my mortgage. I'm hesitant because the deal just looked too good to be true. [...]

Average Length of Time for Refinance

By | February 22nd, 2013|

The average length of time for a refinance can vary if they don't have the right documents needed for a mortgage refinance. Q: My husband and I started a refinance late last year with an Internet lender and we are still going through the process. Now, our mortgage broker wants a letter about my husband's [...]

Tax Implications of Transferring Home Ownership

By | February 22nd, 2013|

When transferring home ownership, be aware of the tax implications that could cost you a lot of money. Q: My brother wants to transfer ownership of his home into my name and I need to know what the tax implications are for him and me if we do this. He received a settlement from his [...]

Getting a Quit Claim Deed After Divorce

By | February 16th, 2013|

Getting a quitclaim deed after divorce is necessary to remove a spouse's name from the property title and mortgage.  Q: When I was married, my wife and I purchased a home with a VA loan. My wife and I later divorced and I was awarded the home in the divorce and it states so in [...]

Problems With Seller Disclosure: Moving a Manufactured Home

By | February 15th, 2013|

If your are having problems with seller disclosure about moving a manufactured home, you may have a legal case against the seller. Q: We have a problem. My son purchased a manufactured home last year at the age of 21 and obtained an FHA mortgage on the home. It appears that he should have never [...]

FAQ: Should I Refinance?

By | February 11th, 2013|

I purchased my first home a year ago, but since then interest rates have dropped and my credit has improved. Can I refinance already? Yes, in theory you can, but you have to figure out if you should. It depends largely on whether you have a prepayment penalty built into your mortgage contract, what you [...]

How to Protect Your Property From Lawsuit

By | February 9th, 2013|

When thinking about how to protect your property from a lawsuit, you might want to consider setting up a trust. Q: I bought my house 20 years ago and today it is worth $300,000. I owe about $150,000 and have about 10 years left on a 15-year mortgage. The interest rate is 5.125 percent, and [...]

Should I Prepay My Mortgage or Invest the Money?

By | February 4th, 2013|

One of the most frequent real estate questions I get asked is about prepaying mortgages. There’s a lot of push and pull in the minds of many homeowners when it comes to deciding between prepaying their mortgages and investing that money elsewhere. Most of the time, prepaying your mortgage is a perfectly good and reasonable [...]

Can I Qualify for HAMP Program on Disability?

By | January 25th, 2013|

If you are on disability, you might qualify for the HAMP program.  Also think about if you should downsize to a smaller home. Q: I think my mortgage holder is going to start a foreclosure on me again as they are not cashing my checks and have sent me numerous letters about the "HAMP" program [...]

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