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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

Roth IRA Investing Or Pay Off Mortgage

By | August 14th, 2008|

When you're nearing retirement should you invest in a Roth IRA or pay off your mortgage? What's the better choice? It depends on the interest rate on your mortgage and whether you can earn more by investing the money. Learn about Roth IRA investing and the benefits of paying off a mortgage early.

Monthly Payments On Mortgage Exceed Refinancing Terms

By | August 14th, 2008|

A home owner says she tried to refinance her home and arrived to the closing to find her monthly payments on her new mortgage would exceed the original refinancing terms. She canceled the refinancing because the monthly payments on the new mortgage would be too high. The lender now wants her to pay fees even though she did not go through with the refinancing to change her monthly payments on her mortgage. Does the home owner have to pay the fees?

Quit Claim Deed Won’t Remove Lien

By | July 17th, 2008|

When you owe money to creditors they may put a lien on your home. When you sell your home you have to pay off the liens with the proceeds from the sale. Transferring ownership of your home using a quit claim deed will not remove the liens. Using a quit claim deed in this situation may be a fraudulent conveyance.

Quit Claim Deed May Not Protect Property In Lawsuit

By | July 2nd, 2008|

Transferring property just before or during a lawsuit without payment may be seen as a fraudulent conveyance -- as if you were trying to shield assets from the lawsuit. Even if you sign a quit claim deed giving up your interest in a property, the court can overturn that quit claim deed and award the share of the property to the victor in the lawsuit. Learn more about how the timing of a quit claim deed can put a property at risk.

Choosing The Right Mortgage Loan

By | July 1st, 2008|

Learn about mortgage basics including two common types of mortgage loans and what it takes to qualify. Your credit score will have an impact on what kind of mortgage loan you can get. Being informed about your credit score and your options will help you get the right mortgage for you.

The Difference Between Mortgage Brokers and Bankers

By | June 30th, 2008|

Not sure whether to get a mortgage loan through a mortgage broker? Learn what mortgage brokers and mortgage bankers do and how they get paid. How can you find a good mortgage broker?

Medicaid Lookback Period Could Reverse Home Transfer

By | June 25th, 2008|

A daughter asks about her father's eligibility for Medicaid after he transfers his home to her. Will his eligibility for Medicaid be affected by the transfer of his real estate wealth? Find out about eligibility for Medicaid and the Medicaid lookback period.

Getting A Good Home Mortgage Rate

By | June 25th, 2008|

A parent asks about selling a property to her daughter who has good credit. She wonders about home mortgage rates and whether they will fall. Even if the daughter sees high home mortgage rates now she can refinance in the future.

Bad Appraisal Of Home Value Leads To Loss Of Earnest Money

By | June 12th, 2008|

Mortgage lenders require appraisals before issuing home loans. What happens if the home you want to buy appraises lower than what the seller wants? It depends on the contract. The buyer may lose his earnest money if the home does not appraise out and the seller is unwilling to lower the price. It's up to the buyer to cancel the home buying contract if the contract permits him to do that.

Real Estate Advice In Relation To Divorce

By | May 22nd, 2008|

When you go through a divorce you may need to hire a real estate agent to help you sell the home you shared with your soon-to-be-ex-spouse and also to help you buy a new home. Each real estate agent uses different techniques to do his or her job and sometimes the person going through the divorce may have a hard time with some of them. Who can help you in such a situation? It helps to contact attorneys specializing in divorce and real estate prior to selling a home.

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