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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 a Rental Property: Options for Refinancing Underwater Mortgage

By | January 25th, 2013|

Refinancing a rental property or an upside down mortgage? Options for refinancing an underwater mortgage.  Q: We received an invitation from a loan company to refinance a rental home we own. Our current lender is in partnership with this company. The interest rate on our current loan is 6.25 percent with about 22 years left [...]

Can I Refinance My Mortgage for Free?

By | January 18th, 2013|

If you don't want to refinance your mortgage for free, you may have to accept a higher interest rate. Q: I listen to your radio show frequently and wondered if you can offer advice on refinancing my home. My current lender does not offer any refinancing options for me. I have a credit score in [...]

Ilyce Glink Show – CFPB Mortgage Regulations – January 13, 2013

By | January 13th, 2013|

NEW CFPB mortgage regulations introduced to protect home owners and the housing market from future mortgage loan disasters. And as usual, providing personal finance advice, real estate advice and consumer advice on the Ilyce Glink Show on January 13, 2013 at 11:00am Eastern Time on WSB Radio. There's so much going on. It was, for [...]

Homeowner’s Association Rules and Fees: Can They Foreclose on Your Home?

By | January 9th, 2013|

The homeowner's association has rules and fees, and can foreclose on your home and put a lien on the property if you don't pay. Q: We have not paid our homeowner fees since early 2007 and I have received a Notice of Intent to Foreclose Lien from a local law firm. It states that if [...]

When Does Refinancing a Home Make Sense?

By | January 7th, 2013|

Refinancing your home at a lower rate makes sense if you can keep your refinancing costs to a minimum. Q: We have a mortgage loan on a second home (it’s a vacation home) with our credit union. The APR is at 4.039 percent and the loan is just a little over a year old. We [...]

Last Options Before Foreclosure

By | January 7th, 2013|

Foreclosure is scary. Before the bubble burst and the housing crisis hit, it was taboo to go through foreclosure. Now it’s almost common. And, unfortunately, despite the rosier outlook for the real estate market, too many homeowners are still facing foreclosure. The most important thing for any homeowner in this situation to know is that [...]

Can I Refinance my Mortgage at Lower Rates than HARP?

By | December 30th, 2012|

It is possible to refinance your mortgage at lower interest rates than HARP, but you might end up paying more in closing costs. Q: I keep hearing about these really low refinance opportunities but nobody seems to say which bank or mortgage broker is offering them. I have a 15-year fixed rate loan at 4.25 [...]

Maximizing Extra Mortgage Payments and Tax Deductions

By | December 24th, 2012|

The other day, someone asked me about prepaying next year’s rent on his business. That sounded like a pretty good idea to him because he said he could really use the tax deduction this year. Wouldn’t it be terrific if this concept could really work? Basically, cash-basis taxpayers do get to deduct their payments in [...]

2012 Real Estate Market Roundup

By | December 24th, 2012|

This past year was big for the real estate market—it’s the first time we’ve seen year-over-year increases in home prices since the market crashed around 2008. Interest rates remain low, and refinances, loan modifications, and short sales are all up—but it’s not all good news. Foreclosure rates are still on a rollercoaster ride—the real estate [...]

Removing Someone From Home Deed

By | December 20th, 2012|

Removing someone from a home deed can be tricky and expensive. Find a real estate attorney to discuss your options. Q: When mom paid off her home years ago, she put the deed to her home in my sister’s and my names, so there wouldn't be red tape if something happened to her. Years later, my sister [...]

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