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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

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 [...]

What To Do When Your Home is Overvalued by Your Homeowner’s Insurance Company

By | January 18th, 2019|

What to do when your home is overvalued by your homeowner’s insurance company. Hint: You may want to consider changing companies. Q: Every year, I get a renewal notice from my homeowner's insurance company and it indicates the value of my home. The insurance company lists my residence value at over $700,000. I understand that [...]

Is Refinancing Your 30-Year Mortgage Really a Good Decision?

By | January 10th, 2019|

Is refinancing your 30-year, or 15-year, mortgage really a good decision? Depending on the market and refinancing fees, this change may save you a bundle!         Q: If you have a fixed rate mortgage why would you ever want to refinance if you plan to stay in the home for the duration of the mortgage? [...]

What Happens to Real Estate When the Government is Shut Down?

By | January 9th, 2019|

What happens to real estate when the government is shut down? Fannie Mae released temporary guidelines for loan processors to assist federal workers and contractors during the government shutdown. Homebuyers, lenders and real estate agents might experience closing delays as the U.S. partial government shutdown continues. And, there’s nothing that increases personal and financial stress [...]

Do You Need to Renovate an Old Inherited Home Before Selling?

By | January 4th, 2019|

Do you need to renovate an old inherited home before selling? The first step to deciding involves speaking with a local real estate broker to lay down the numbers. Q: Our sister recently passed away leaving the family home that mom left her six years ago. She had no will and left outstanding debts as [...]

Real Estate Challenges and Opportunities for 2019

By | December 20th, 2018|

Real estate challenges and opportunities in the New Year. Whether you’re buying a home, selling a home, or investing in real estate here’s what you need to know about the housing market in 2019. As we start 2019, there are some important changes that you need to know about, starting with the increased loan limits [...]

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