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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 Makes a Good Homeowner’s Association Board?

By | June 13th, 2019|

What makes a good homeowner’s association board? With most boards being made up of volunteers, getting the right group of people together can be difficult. Q: I read your column each Sunday in our local paper. It is always informative, but unfortunately often too legally sterile to provide useful real-world solutions. Your recent answer to [...]

Can You Change Your Mortgage Loan Servicer?

By | May 31st, 2019|

Can you change your mortgage loan servicer? The short answer is no, but a few calls can help you smooth out the problems you’re facing. Q: Is it possible to change my loan servicer? My refinance was done by a national mortgage lender. They immediately transferred it to a well-known loan servicer. However, my monthly [...]

Who’s Liable for Unpaid Water Bills, the Home Seller or Home Buyer?

By | May 22nd, 2019|

Who’s liable for unpaid water bills, the home seller or home buyer? When the city bills you for back charges after installing a water meter, liability becomes confusing. Q: I own a rental home in Baltimore. The city has had issues in handling water bills and has even failed to install water meters on many [...]

What Happens When the Co-Owner of Your Home Dies with Debt?

By | May 17th, 2019|

What happens when the co-owner of your home dies with debt? This reader is concerned they’ll get stuck with the bill or worse, that they’ll lose the home. Q: My mother and I currently share ownership of my home. We own the home equally. I've been reading some of your posts on ThinkGlink.com and it [...]

What Can You Do About a Nightmare Condo Owner?

By | May 9th, 2019|

What can you do about a nightmare condo owner who refuses to follow condo rules? Start with a review of board rules, then call a lawyer. Q: Our condo building has had a problem with one particular owner ever since he purchased his unit in the building and moved in. Initially he didn’t get permission [...]

What Happens to Taxes When You Co-Sign a Mortgage for Your Child?

By | May 3rd, 2019|

What happens to your taxes when you co-sign a mortgage for your child? It all depends on how you decide to hold title on the home. Q: If I co-sign a mortgage so my son can buy a house, how will that affect my taxes for the profit when it is sold? He will make [...]

Trees, Neighbors and Insurance Coverage: What You Need to Know

By | April 25th, 2019|

Trees, neighbors and insurance coverage: What you need to know when nature strikes and your homeowner's insurance gives you the runaround. Over the past few weeks, we’ve received a number of letters on our recent column about trees, neighbors and insurance coverage. A reader wrote in that a tree fell on his neighbor’s garage and [...]

How to Take Out a Loan on an Inherited Home

By | April 18th, 2019|

If you want to take out a loan on an inherited home, finding the right lender and knowing your credit score can start you off on the right path. Q: My grandparents passed away years ago. Then, last year, my mother passed. My grandparents owned a home and I paid a title company to complete [...]

Mortgage Delinquency is Down, Credit Delinquency is Up

By | April 17th, 2019|

  Mortgage delinquency rates are down, credit delinquencies are up. CoreLogic reports 30-day-plus delinquency is the lowest it’s been in over a decade. It’s a good news, not-so-good news situation. First, the good news: More people are paying their mortgages on time. Unfortunately, credit delinquencies are up as more people are having trouble getting their [...]

Neighbor’s Tree Fell on My House – Who Pays for Damages?

By | March 21st, 2019|

Neighbor's tree fell on my house - whose homeowner's insurance pays for damages? If it was due to natural causes, you may be footing the bill. Q: When I was reading your recent article on homeowner's insurance, I thought I’d share what I was surprised to learn something last year. My son's neighbor's tree fell [...]

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