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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

Financing Options Include ARM Mortgage Loan

By | August 30th, 1999|

Choosing the right type of financing depends on factors such as interest rates and how long you intend to stay in your home. If you're financing or refinancing and interest rates are high, it may make sense to get an adjustable rate mortgage (ARM). Learn also about financing with a fixed rate loan.

Mortgage Loan Decisions Include Points

By | June 28th, 1999|

When you're applying for a mortgage loan or refinancing a mortgage loan you'll face many decisions. Mortgage loan decisions include what type of loan you want: an adjustable rate mortgage or a fixed rate mortgage. In addition you can choose whether to lock your loan rate right away or to float the rate. When you apply for a mortgage you can also think about paying points to reduce the interest rate on the loan.

Common Problems With Some Quick Answers

By | April 12th, 1999|

How do you become a real estate agent? What's a reverse mortgage? Answers to the most frequently asked personal finance and real estate questions.

Good Credit Is Paramount When Getting Approved For Loan

By | September 28th, 1998|

Credit matters more than income. If you have excellent credit, with no blemishes, you're in control of the mortgage process. If you have credit problems, including late payments, unpaid bills, charge-offs, and bankruptcies, these are far more damaging to your prospects of getting approved for a loan.

Homeowners: Best Time To Refinance Mortgage

By | September 7th, 1998|

There are several indicators that help homeowners decide that it's the best time to refinance their mortgage. When interest rates drop low is one of the best times for homeowners to refinance their mortgage. Just because homeowners have bad credit doesn't mean they can't refinance their mortgage but they might have limited options.

Home Buyers And Homeowners: Mortgage Questions To Ask Your Lender

By | April 6th, 1998|

There are several mortgage questions that home buyers and homeowners should ask their lenders before filling out their applications. Most home buyers and homeowners don't know what they're getting into when they finance or refinance their homes with a mortgage, and handing that application in to your mortgage lender without knowing what you're signing could get you into trouble. One important question home buyers and homeowners should ask their mortgage lender is how their credit will affect the mortgage loan's interest rates and terms.

Borrowers Beware of Bad Apple Lenders

By | March 23rd, 1998|

Every day, unscrupulous lenders ask borrowers to sign blank mortgage applications. They ask borrowers to overstate their income and to enhance their work history. They advertise that they can help when no one else can and then pocket hefty fees from grateful borrowers when the loans close. Consider these mortgage commandments before you sign a loan application.

Home Loans And Refinancing: Applying Online

By | March 16th, 1998|

Is it wise to apply for home loans and refinance your mortgage online? Many people recommend applying for home loans and refinancing your mortgage online. But just because you apply for a home loan or refinance your mortgage onle, doesn't mean you won't have to deal with mortgage lenders or real estate brokers in person.

Should You Avoid PMI?

By | February 16th, 1998|

By insuring the top 20 percent of the loan, private mortgage insurance allowed lenders to take a chance on home buyers who had as little as 3 percent to put down in cash on a home. However, private mortgage insurers started to get a bad name, in the past ten years, by charging more and more for their products. Moreover, consumers who built up the equity in their homes found it extremely difficult to get private mortgage insurance eliminated from their loans. Home owners found a way to avoid PMI payments by obtaining piggyback loans.

Real Estate Year In Review: 1997

By | December 22nd, 1997|

This year President Clinton effectively changed the way homeowners calculate profit on their home sales, with a huge tax break for homeowners. Mortgage interest rates ended 1997 at their lowest levels of the entire year. Interest rates are expected to stay low well into the middle of 1998. And more and more people are using the Internet for their home searches and real estate transactions.

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