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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 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 [...]

How Do I Pay My First Mortgage Payment?

By | March 19th, 2019|

How do I pay my first mortgage payment? After closing the sale on buying a home it’s time to start sending payments to your mortgage servicer. Buying a home is the most stressful event of modern life. Now that it’s done, you can breathe a sigh of relief, settle into homeownership and pay your first [...]

How Are Property Taxes Calculated?

By | March 8th, 2019|

Why are property taxes calculated differently by each town? This is a complicated question but boils down to what type of taxation approach your town decides to employ. Q: I live in a state where property taxes are calculated differently by each town. My question is why is the calculation a three-step approach rather than [...]

What is a Deed of Trust?

By | March 8th, 2019|

What is a deed of trust? This document often confuses homeowners, especially after they pay off their mortgage. Here’s what you need to know. Q: Thank you for your recent article about transferring ownership of a home among family owners. My question is simpler. I recently paid off my mortgage and received a Certificate of [...]

What Type of Homeowners Insurance Policy Should I Get?

By | February 25th, 2019|

What type of homeowners insurance policy should I get? The answer depends on how much coverage you think you may need and the premium you’re willing to pay. Q: I read your recent column on insurance coverage. In the past, I had three house fires that I had to deal with. None of these fires [...]

Home Insurance Coverage: An Experienced Insurance Agent’s Take

By | February 25th, 2019|

An experienced insurance agent’s take on home insurance coverage raises questions on how much insurance companies raise rates and how often you should shop for coverage. We recently wrote a column on home insurance and how much coverage an insurance company may require a homeowner to have. We received several comments from readers that we’ll [...]

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