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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 After A Job Loss

By | December 8th, 2003|

After losing a job is probably not the best time to refinance your home. Without a regular source of income, like a full-time job, it is difficult to refinance an existing loan or even get a home equity loan or line of credit. But it's important to stay on top of your payments to maintain your credit history when you are able to refinance.

Refinancing Mortgage For Best Interest Rate Requires Research

By | December 3rd, 2003|

Refinancing a mortgage for the best interest rates takes a lot of research. Mistakes occur when you rush too quickly into mortgaage refinancing decisions. Ilyce Glink provides refinancing advice to reader who made a mistake refinancing his mortgage: can he cancel his loan application?

Refinancing Mortgage Out Of High Interest Rate: Possible Obstacles

By | December 1st, 2003|

There are several possible obstacles that can arise while trying to refinance your mortgage out of a high interest rate. If your credit score isn't high, refinancing your mortgage out of a high interest rate may be difficult. Fortunately, getting your credit history and walking through it with a couple of reputable lenders could remove those obstacles to refinancing your mortgage out of a high interest rate.

Mortgage Loan Refinancing: Calculating Savings

By | November 20th, 2003|

What should you think about when you're refinancing your home? When refinancing a mortgage you should look at the interest rates available as well as how much the refinancing will cost you in closing costs. You should also consider how long it will take you to repay your mortgage refinance.

Canceling PMI On Fannie Freddie Mortgage Based On Appreciation

By | October 17th, 2003|

Usually, after you have enough equity in your home, you can cancel private mortgage insurance (PMI). But if you have a mortgage from Fannie Mae or Freddie Mac you may have to follow different rules. Find out some of the rules concerning canceling PMI for mortgages from Fannie Mae and Freddie Mac.

Prepayment Penalty And Mortgage Loans

By | October 17th, 2003|

When you take out a mortgage you may be planning to make extra mortgage payments so you can prepay or pay off the mortgage early. How do prepayments work and do you risk paying prepayment penalties? What issues should you bear in mind when you're prepaying your mortgage loan?

Commercial Real Estate And Mortgage Websites

By | October 17th, 2003|

Ilyce has several favorite websites for financial advice on real estate and mortgages. Those websites include the consumer website for the National Association of Realtors and the Wall Street Journal's real estate website. Ilyce also has several other favorite websites for personal finance and real estate advice.

Clean Up Credit To Get Best Refinance Rates

By | October 9th, 2003|

If you're lucky enough to be able to get a home loan when you have bad credit, you should consider refinancing when your credit improves. Schedule appointments with major lenders to see what kind of rates they can give you. Take your credit report with you so the lenders don't have to pull it, lowering your credit score if you don't refinance.

Stop PMI Payments And Refinance

By | August 21st, 2003|

When you buy a home and lack money for a substantial down payment you have to buy private mortgage insurance, or PMI. Once you have made enough mortgage payments and have at least 22 percent equity in your home, you can stop paying PMI. To determine how to stop paying PMI and whether you should refinance, you should contact your mortgage lender and also shop around.

Ask Ilyce – March 11, 2003

By | March 11th, 2003|

How do I know if my refinance is the best deal I can get? Should I invest in major home repair or sell it as a fixer-upper? And how can I cut costs on my energy bill? WGN's Money Saving Expert Ilyce Glink answers these questions.

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