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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

Ilyce Glink – Real Estate Advice on Chicago Tonight – January 16, 2012

By | January 17th, 2012|

Phil Ponce of "Chicago Tonight" interviews Ilyce Glink about real estate advice  and refinancing in the new year. With Terry Savage. I recently had the opportunity to appear on "Chicago Tonight," alongside personal finance expert Terry Savage, to discuss ways consumers can beat the post-holiday financial blues. I gave viewers real estate advice for the [...]

Mortgage Escrow Rules Require Money To Be Returned

By | January 16th, 2012|

When you pay off your mortgage loan in full, your lender is required to return any tax and insurance mortgage escrow money back to you. Q: I hope you can help me with this question. I have been searching the Internet and reading as much as I can on The Dodd-Frank Act and cannot find [...]

Lender Won’t Work With You To Modify Loan

By | January 15th, 2012|

Even if lender sends you letter asking you to call and modify your loan, you may not get any help. You may need to file a complaint. Q: I am trying to help my brother-in-law restructure his loan but the lender won’t call us back even after sending us as letter stating they were more [...]

Refinancing Two Home Loans Into One

By | January 14th, 2012|

Refinancing these days can be hard, but trying to refinance or get financing for two adjacent properties used as one can be difficult. Q: We have owned our home for about 23 years. About five years ago, with two young kids, we needed to expand our living space. We couldn’t add on to our home, [...]

Short Sale Approval Not Possible With Lender

By | January 13th, 2012|

Some lenders are harder to get to approve a short sale. If you are having trouble, here are some ways to get your short sale approved. Q: I own a home, but I bought another home with my boyfriend. I listed the home I owned with an agent about three years ago and that’s when [...]

Quit Claim Deed From Divorce Not Signed At Refinancing

By | January 12th, 2012|

In a divorce, if one spouse will keep the home, the other spouse should quit claim deed the home before you refinance the loans on the home. Q: In 2008, as part of my divorce decree and to pay off my ex-spouse, I applied for a “no fee” low interest rate, home equity line of [...]

Trying to Refinance Upside Down Mortgage

By | January 5th, 2012|

When loan modifications fail and you are trying to refinance upside down mortgage, your options are limited other than HARP 2.0. Q: I am currently paying on a mortgage that is becoming an overwhelming expense and causing me to go further in debt in other places. I have a 30-year fixed mortgage with private mortgage [...]

Finding A Good Mortgage Broker or Lender

By | January 4th, 2012|

If you have good credit and you are a first time home buyer, you need to find a good mortgage broker or mortgage lender to help you with your home purchase. Q: I am a first time home buyer and ready to buy. I would like to purchase a house in Atlanta. My credit score [...]

Ilyce Glink Show – Mortgage Rates Fall To New Lows: Why You Should Refinance – September 18, 2011

By | September 18th, 2011|

Mortgage Rates Fall To New Lows: Why You Should Refinance on the Ilyce Glink Show September 18, 2011: Every week for the last four, mortgage interest rates have dropped to historic lows, setting new records with each outing. While there is much work left to be done to shore up the ailing housing market, for [...]

Tax Implications of Quit Claim Deed: Better to Inherit Property

By | April 22nd, 2011|

It's better to inherit property from your parents or family members rather than receiving it through a quit claim deed. The tax implications of receiving a property through a quit claim deed are much greater than inheriting a property. When estate planning, it's better to put the property in a will or trust, rather than transfer the property through a quit claim deed.

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