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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

What Happens If You Inherit a House with a Mortgage?

By | December 18th, 2019|

What happens if you inherit a house with a mortgage? These readers want to know what to do if the mortgage exceeds the value of the property. Q: My husband's stepmother added him to the title to her home prior to death. She added him as a joint tenant with rights of survivorship. We understand [...]

How Do I Get Rid of PMI on My Mortgage?

By | December 2nd, 2019|

How do I get rid of PMI on my mortgage? What can you do if you don’t want to pay private mortgage insurance on your mortgage loan? Q: I appreciate your articles and landed on your site after reading your article on prepaying your mortgage.  I have a question for you about mortgage loans, private [...]

Home Buying, Selling and Getting a Mortgage in Retirement

By | November 8th, 2019|

Home buying, selling and getting a mortgage in retirement. This reader wants to know how to time selling their home and getting financing for a new one. Q: I am single and have an 800+ credit score. I plan to retire in the next year or so and move to a small town in the [...]

Is Now a Good Time to Refinance?

By | August 27th, 2019|

Is now a good time to refinance? What homeowners need to understand about current interest rates to determine if refinancing is worth it. Interest rates have dropped, which is supposed to spur interest in buying a home and refinancing your mortgage. But I'm hearing from people who wonder if it is really worth their while [...]

What Happens to a House When Someone Dies?

By | August 16th, 2019|

What happens to a house when someone dies? It depends on a number of factors like if there was money still owed on the home or a will naming an heir. Q: My husband and I refinanced my grandparents’ house because they had a reverse mortgage. My grandma had passed away and my grandpa was [...]

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. [...]

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