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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

Adding Name to House Deed Without Consent

By | February 14th, 2008|

To transfer a deed to a home, the persons involved must consent. If a person wants to give a gift of real estate, they can purchase the property and deed it to someone else. But putting someone on a deed will not be sufficient to transfer title of the property to the recipient.

Talk To Mortgage Lender To Prevent Foreclosure

By | February 13th, 2008|

To prevent foreclosure you should pay your mortgage on time and in full every month. Preventing foreclosure should be a high priority because losing your home hurts your credit. There are steps you can follow to prevent foreclosure.

Divorce Property Refinance and Buy Out: Put Quit Claim Deed in Trust

By | February 12th, 2008|

A woman getting divorced says her ex-husband is buying her share of their home through a quit claim deed and will refinance the home. Ilyce advises her to put the quit claim deed in trust until she gets the money from her ex-husband. Otherwise, the woman may not see the cash after handing over the quit claim deed and having her husband buy her share of the property.

Foreclosure Last Option: Call Your Mortgage Lender If You Miss Payment

By | February 10th, 2008|

Many homeowners who struggle to make payments don't realize by calling their mortgage lender they may be able to avoid the foreclosure process. Contact HUD or your lender to learn about the foreclosure process and what you can do to avoid foreclosure if you can't make the payments. You may be able to avert the foreclosure process altogether if you speak with your mortgage lender and explain why you missed your mortgage payment.

Stopping Foreclosure

By | February 6th, 2008|

If you're having trouble making your mortgage payment you probably want to do whatever you can to stop foreclosure. Stopping foreclosure is possible if you take the right steps. The simplest ways to stop foreclosure is to reduce expenses and save money.

Mortgage Payment Troubles? Take Foreclosure Questions To Lender, Experts

By | February 5th, 2008|

If you're having trouble paying your mortgage, go straight to your mortgage lender or another expert to ask questions about foreclosure. Foreclosure questions are not for family and friends, who may not know the answer to what happens when you can't pay your mortgage. Your mortgage lender will be able to answer any questions you have about foreclosure and to talk to you about how to afford your mortgage payments.

Refinance To Keep Home After Divorce

By | February 4th, 2008|

When couples divorce sometimes the woman agrees to keep the home rather than lay claim to the man's retirement benefits. But is this a fair trade? It's worth reconsidering trading a home for retirement benefits when the housing market is poor or if the home has home improvement work that wasn't built with building permits or up to code. If one spouse does decide to keep the home, it's important to refinance the property to remove the name of the parting spouse from the mortgage loan.

Mortgage Lender Doesn’t Report On-Time Payments

By | January 20th, 2008|

A couple's mortgage lender does not report their on-time payments to credit reporting bureaus. They wonder how the mortgage lender's behavior will impact their credit. The mortgage lender is anti-consumer.

Name On House Title But Not Mortgage

By | January 18th, 2008|

A divorced man still has his name on the title of a home with his ex-wife who now can't afford the mortgage. While he's not liable for the financial end, if the bank forecloses on the home and sells it at a discount, his equity could disappear. If the man can afford the mortgage, he might want to step in to save his interest in the home.

Stopping Second Foreclosure On Home

By | January 16th, 2008|

A homeowner who has already lost one property to foreclosure and is near foreclosure on another asks about the impact of foreclosure on getting another home loan. The homeowner's best bet might be to try to save the second home from foreclosure. With foreclosed homes on a credit history, it will be tough for this homeowner to get another home loan.

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