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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

Homeowners: Reasons To Refinance Your Home

By | January 6th, 1997|

Homeowners have several reasons to refinance their homes. The best time for homeowners to refinance their homes is when they can save money. Experts say homeowners often rush to refinance their homes when interest rates are down, but that may not be the best or most cost-effective time for them.

Financing May Include Preapproval Or Prequalification

By | December 30th, 1996|

When you're buying a home it helps to have looked into your financing options ahead of time. That means seeing if a mortgage lender will pre-qualify or pre-approve you for a mortgage loan. It's important to understand the difference because it may influence a seller's decision to sell you a home.

Mortgage Loans: Homeowners Can Apply Online For Cheaper Loans

By | November 18th, 1996|

Homeowners who qualify can apply for mortgage loans online and get them for a cheaper rate. Countrywide Home Loans introduced a special mortgage loan for homeowners that can only be applied for online. Eligible homeowners can get cheaper mortgage loans by applying online.

How To Select The Right Mortgage

By | October 21st, 1996|

No matter what lenders try to do to simplify the process, selecting the right mortgage continues to be a problem for most home buyers. But knowing how long you plan to stay in your home is key to unraveling the mystery behind the loan process. Make sure you ask the lender to thoroughly describe the ins and outs of each loan types you're offered. It's up to you to research what closing costs and fees are being charged in your area. Contact several of the largest lenders and see what they're offering.

Mortgage Myths Could Cost You

By | September 16th, 1996|

If you add just $25 to the required payment on a typical $100,000 home loan, you'll save more than $25,000 over the life of the loan. And, you'll reduce the term of your loan by 44 months, or 3 years and 8 months. Although the prepay process isn't particularly difficult some homeowners are stopped by the following "myths."

Consider Interest Rates and More When Refinancing

By | August 12th, 1996|

It's important to look at interest rates when you're thinking about refinancing your home mortgage loan. But there's more to deciding whether to refinance than just interest rates. When you're trying to decide whether to refinance your mortgage you need to think about how long you will stay in the home and whether you can recover closing costs. You should also look at whether there's a prepayment penalty for your old mortgage loan.

Out Of Control Lenders and Real Estate Tax Escrow

By | August 5th, 1996|

Escrow funds are designed to help the lender make sure the property owner pays all the necessary taxes. It's in the mortgage lender's interest to make sure your taxes and premiums get paid in full and on time. However, sometimes mistakes happen in the escrow process and sometimes lenders take advantage of the consumer.

Mortgage Planners Hoping To Cut A New Deal For Borrowers

By | July 8th, 1996|

In the residential housing market, the concept of a buyer's broker has become more mainstream as home buyers realized that they, too, were entitled to have someone on their side to help with the negotiations. Buyer's brokers owe their fiduciary duty and loyalty to the buyer, not the seller, as in conventional agency. But when it comes to getting a mortgage, a lot of home buyers feel they are in the dark.

Why Some People Get Their Loan Rejected

By | June 10th, 1996|

After all the research that goes into purchasing a home, it can be frustrating to be rejected for a home loan. But the reasons for getting rejected for a home loan could be anywhere from their fault to a lender's own reasons. Here a few common reasons for getting rejected for a home loan and how to fix them.

Mortgage Loan Questions To Get The Best Deal

By | May 27th, 1996|

When you're buying a home you'll likely also need to apply for a mortgage. Read some common questions about the mortgage loan application process including discussion of interest rates, pre-qualifying and pre-approval. Learn how you can prepare to apply for a mortgage loan and who not to share your financial information with.

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