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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 HELOC Loan After a Divorce

By | August 9th, 2019|

Refinancing a HELOC loan after a divorce. This reader wants to know about refinancing a home equity line of credit to remove an ex-spouse's name. Q: I got divorced about four years ago. The deed to the house was, and is, in my name alone, and has been from the time we bought it.  During [...]

How to Find Old Mortgage Loan Records

By | July 12th, 2019|

How to find old mortgage loan records? This homeowner wants to find proof of old mortgage payments made before they refinanced and modified their loan. Q: I purchased my home back in 2004 and got a mortgage with a lender that has since been purchased by one of the huge banks. I made all of [...]

What Happens When Past Homeowners Have Unpaid Back Taxes?

By | July 3rd, 2019|

What happens when past homeowners have unpaid back taxes? The home may become at risk for foreclosure if the new owner skipped title insurance. Q: I bought a home back in 2013. I received free and clear title to it. However this week I was served with papers for foreclosure due to the previous owner's [...]

Should I Get the Promissory Note After Paying Off My Mortgage?

By | June 21st, 2019|

Should I get the promissory note after paying off my mortgage? You may not need a note stamped "canceled" but you do need other forms of proof. Q: I saved an article you wrote from 2015 which says that I should "get back the promissory note” I signed when I pay off my loan. And, [...]

What Mortgage Can I Get Approved For?

By | June 18th, 2019|

What mortgage can I get approved for? Fannie Mae found most Americans overestimate the credit score and down payment necessary to qualify for a mortgage. Credit scores and lending requirements are confusing - even to those of us who work in the credit industry or those that are tangentially related, like mortgage origination or banking. [...]

What Makes a Good Homeowner’s Association Board?

By | June 13th, 2019|

What makes a good homeowner’s association board? With most boards being made up of volunteers, getting the right group of people together can be difficult. Q: I read your column each Sunday in our local paper. It is always informative, but unfortunately often too legally sterile to provide useful real-world solutions. Your recent answer to [...]

Can You Change Your Mortgage Loan Servicer?

By | May 31st, 2019|

Can you change your mortgage loan servicer? The short answer is no, but a few calls can help you smooth out the problems you’re facing. Q: Is it possible to change my loan servicer? My refinance was done by a national mortgage lender. They immediately transferred it to a well-known loan servicer. However, my monthly [...]

Who’s Liable for Unpaid Water Bills, the Home Seller or Home Buyer?

By | May 22nd, 2019|

Who’s liable for unpaid water bills, the home seller or home buyer? When the city bills you for back charges after installing a water meter, liability becomes confusing. Q: I own a rental home in Baltimore. The city has had issues in handling water bills and has even failed to install water meters on many [...]

What Happens When the Co-Owner of Your Home Dies with Debt?

By | May 17th, 2019|

What happens when the co-owner of your home dies with debt? This reader is concerned they’ll get stuck with the bill or worse, that they’ll lose the home. Q: My mother and I currently share ownership of my home. We own the home equally. I've been reading some of your posts on ThinkGlink.com and it [...]

What Can You Do About a Nightmare Condo Owner?

By | May 9th, 2019|

What can you do about a nightmare condo owner who refuses to follow condo rules? Start with a review of board rules, then call a lawyer. Q: Our condo building has had a problem with one particular owner ever since he purchased his unit in the building and moved in. Initially he didn’t get permission [...]

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