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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

Co-Owner Refuses To Refinance

By | April 30th, 2004|

A co-owner refuses to sign refinance paperwork. Who is responsible for the payments? Who is the true owner of the house? What are the owner's options?

Considering An Adjustable Rate Mortgage

By | March 12th, 2004|

Using an ARM instead of a fixed-rate mortgage can save a homeowner thousands of dollars. The trick is that you have to be willing to take a small risk that interest rates will eventually rise. Betting that interest rates stay low and using an ARM versus a fixed-rate mortgage can save you thousands and perhaps even tens of thousands of dollars.

Refinanced Mortgage: Fees Associated When Homeowner Pays Off Mortgage

By | March 12th, 2004|

When you pay off a refinanced mortgage you may be hit with several fees. There are a number of fees the mortgage lender charges when a homeowner pays off the mortgage, such as processing and faxing fees. Learn what the fees associated are with paying off a refinanced mortgage.

One Hundred Percent Financing

By | March 12th, 2004|

A lender offers a buyer a 100 percent mortgage but the buyer's agent is not enthusiastic. Sellers don't want to waste time with buyer who seemingly can't afford to buy the home, which is often assumed if they don't have cash for a down payment. An agent knows a 100 percent mortgage can be a tough sell but it's the agents job to convince the sellers that the buyers are legit.

Refinance Old Mortgage Or Home Equity Line Of Credit?

By | March 12th, 2004|

A homeowner has a small balance on their mortgage with a high interest rate, should he refinance or get a home equity line of credit? The homeowner and Ilyce cover the options for refinancing the remaining balance, or getting a home equity line of credit. Ilyce suggests a home equity line of credit instead of refinancing in order reduce interest.

Does Paying Property Tax Give Ownership?

By | March 5th, 2004|

Does paying property tax on a family member's property give the tax payer ownership? Generally, the payment of real estate taxes alone is not sufficient to give the tax payer ownership rights to a property. In addition to paying property taxes, you likely should have lived in the home and paid for its upkeep.

A Canceled Wedding Impacts Homeowner

By | February 27th, 2004|

A woman canceled her wedding but is still on the mortgage loan for the home she bought with her fiance. Until the fiance refinances the mortgage, the woman will be responsible for 50 percent of the mortgage. Keeping her name on the deed to the home will give the ex-fiance a reason to refinance the home in only his name.

Finding Financing And A Buyer’s Broker

By | February 27th, 2004|

A buyer has a lot of assets but not a lot of income and is having a hard time getting financing. Most conventional lenders want to see that you have enough income to pay for the expenses of owning and maintaining your home. Without adequate income, it might be wise to liquidate assets to come up with a down payment.

Student Loans: Financing Your College Education

By | February 5th, 2004|

Using student loans to finance a college education is just one option. The best way to begin applying for student loans and financing your college education is to go online and do your research. Now you can apply for student loans online and even compare interest rates and programs. The application process for student loans begins with FAFSA, the Free Application for Student Aid. The sooner you apply for financial aid, the better chance you have of financing your college education with student loans and other funding.

Last Chance To Refinance Your Home With Low Interest Rates

By | February 3rd, 2004|

Last week, Alan Greenspan kept short-term interest rates at 45 year lows. And low interest rates mean you might have one last chance to refinance your home before rates start to climb. Now that interest rates are poised to rise, are you ready to refinance?

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