Mortgage and Home Financing Articles
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For many people, financial success is an important part of Self Improvement. An understanding of mortgages and home financing will help in your journey to financial success.
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- The Big Three Home Buyer Mortgage Mistakes and How To Avoid Them - by Submitted on Nov 12, 2009 from Rob BlakeMost home buyers make a number of easy to avoid mortgage mistakes that cost them $1,000's every time they buy a home. In this article, we will discuss the biggest home buying mortgage mistakes. Home Buyer Mortgage Mistake Number 1: Shopping for a mortgage after finding the home Thinking about ...
Views: 6You must read the article to rate it. - Security is Priority to Single Women Buying Homes. - by Submitted on Nov 11, 2009 from Christopher ShawAs you may be aware the fastest growing demographic in real estate sales is single women second only to married couples. Previously we asked the question, “What are Single Women looking for ….. In a Home?” Well, high on the list of 10 things most desired by single women when purchasing ...
Views: 6You must read the article to rate it. - Mortgage Advertisers Lie To Get Your Business - by Submitted on Nov 03, 2009 from Rob BlakeRadio, TV, and print mortgage advertising is riddled with lies designed to dupe buyers into believing there are rates, costs, and terms available which really are not. If you’ve ever been tempted to call one of these “too good to be true” mortgage ads, you are not alone. Mortgage ...
Views: 5You must read the article to rate it. - Three Biggest Misconceptions about Short Sales - by Submitted on Oct 30, 2009 from Donna TashjianFirst of all, “yes” some short sales take long to sell and “yes” some short sale listings can be frustrating. But let me tell you this; not all are created equal! With a little patience and a little creativity you can overcome some of the shortcomings of listing pre-foreclosure/short sale ...
Views: 7You must read the article to rate it. - When Will Current Mortgage Rates Rise? - by Submitted on Oct 30, 2009 from Dave YoungAll things being equal, current mortgage rates will remain low as long as the Federal Reserve allows them to remain low. Even with a variety of other factors used to determine current mortgage rates, there is no greater influence on current mortgage rates than the Federal Reserve. When it comes ...
Views: 20(3 votes)You must read the article to rate it. - Why Would You Use A Mortgage Broker? - by Submitted on Oct 23, 2009 from George PettitWith the global economy in a current recession, mortgage rates have been at all time lows. Many people get a little confused when they start looking for a lender about the differences between a mortgage broker and a regular bank. This article is designed to help you understand the differences and ...
Views: 13You must read the article to rate it. - What You Need To Understand About Home Financing - by Submitted on Oct 19, 2009 from Julie JohnsonHouse hunting and house buying has many levels. For a first timer you have a lotto learn very quickly if you want to buy. You will spend more if you go in unprepared. So, looking at all the different aspects of buying your home will help you get a better deal. When you make smart positive decisions ...
Views: 14You must read the article to rate it. - First Time Buyers: Credit Tip of the Week How to Use Secured Credit Cards - by Submitted on Oct 13, 2009 from Christopher ShawFirst Time Buyers: Credit Tip of the Week Secured Credit Cards The use of a secured credit card can and will build your credit over time, it is not an overnight fix to your past credit woes. What is a secured credit card: “a credit card that is issued to a consumer that is tied to their ...
Views: 22You must read the article to rate it. - Chattel Mortgage - Things to Know Before Apply - by Submitted on Sep 18, 2009 from Daryl HuntA Chattel Mortgage is a type of finance which is typically used by businesses to finance the purchase of commercial vehicles, cars, business equipment and office equipment. Anyone wishing to finance the purchase of goods for business purposes can take the benefits from chattel mortgages. In other ...
Views: 36(1 vote)You must read the article to rate it. - The Current State of the Local Market! - by Submitted on Sep 16, 2009 from Fran LichtmanThe news remains positive. New Jersey has gone from having 17 months of existing inventory at the beginning of this year to about nine months now. We have seen six straight months of increased sales. Locally, our areas currently have about five to six months of inventory overall, but in the most ...
Views: 34You must read the article to rate it. - Going Beyond the World Wide Web to Find Mortgage Leads - by Submitted on Sep 16, 2009 from John PerryUsually, when one mentions mortgage lead generation, the first thing that comes into mind is the World Wide Web. After all, the Internet is very convenient marketing tool. There are already a lot of marketing tools that are for free, such as social networking websites, article and website ...
Views: 35You must read the article to rate it. - Ten Helpful Hints When Buying Conservatories - by Submitted on Sep 15, 2009 from Craig Priestly1/ Conservatories offer some great features What are you looking to accomplish with buying a conservatory? If you're looking at your options for change you can move, build an extension or add a conservatory. In the current housing climate the housing industry is quite weak, therefore selling ...
Views: 36(1 vote)You must read the article to rate it. - Knowledge of the Safest Commercial Mortgages is Must to Have - by Submitted on Sep 11, 2009 from Andrew GomesAre you in badly need of a commercial refinance loan? But, you are not familiar with the nitty-gritty of this field. Then, only the service of a mortgage broker can help you out. It would not be the safest option if the broker misguides you. Knowledge of what a commercial remortgage loan is and ...
Views: 35You must read the article to rate it. - First Time Buyer -Dont put the Cart before the Horse - by Submitted on Sep 09, 2009 from Christopher ShawAs I tell all my clients don't put the cart before the horse. In other word don't go shopping until you have the cash or you've secured financing. A lot of people do this which can sometimes backfire and lead to frustration and disappointment. First of all, say you start looking and find a house ...
Views: 42You must read the article to rate it. - New Wave of Foreclosure Bus Tours Puts You First, Sale Second - by Submitted on Aug 28, 2009 from Christopher ShawAugust 2009-Investing in real estate has never been easier, nor more user friendly thanks to the newest wave of foreclosure bus tours. The Foreclosure Bus Tour offers exclusive, detailed and personal information about properties available to tour participants from real estate and investment ...
Views: 43(2 votes)You must read the article to rate it. - 3, 2, 1, and Gone is the First Time Home Buyer Tax Credit - by Submitted on Aug 23, 2009 from Betsy MooreAt the beginning of this year, President Obama signed into law the Recovery and Reinvestment Act of 2009. One provision is the first time home buyer tax credit. More specifically, it is opportunity for an $8,000 tax free check to you. However, this tax credit ends on November 31, 2009. Who ...
Views: 49(1 vote)You must read the article to rate it. - First-Time Home Buyer: Obama's Tax Credit, Home Values, & Mortgage Interest Rate - by Submitted on Aug 15, 2009 from Betsy MooreIn today's economy, it is easy to be gun-shy about buying a home, especially if it is your first home. Who wouldn't be? This is your biggest debt but, remember, it is also your largest asset. There are five major reasons why the time is now: First Time Home Buyer Tax Credit ...
Views: 68(1 vote)You must read the article to rate it. - Stopping Foreclosure at the Right Moment - by Submitted on Aug 07, 2009 from Anne MingWhen facing foreclosure, it may seem hopeless for your financial situation to be salvaged. While the prospect of losing your home is certainly discouraging, it's extremely important not to give up on getting your finances in order. Having a home foreclosure on your credit history is extremely ...
Views: 55You must read the article to rate it. - Foreclosure's Effects on Personal Credit - by Submitted on Aug 07, 2009 from Anne MingIn current times, many families have found themselves facing one of the potentially most damaging financial events possible – foreclosure. Home foreclosures have been gaining publicity recently, as they are a sign of the dire financial situation around the world. Countless home loans were ...
Views: 50You must read the article to rate it. - Seven Myths Concerning Credit Card Usage That Can Affect Your Ability To Obtain A Mortgage - by Submitted on Aug 06, 2009 from David LeachIt has been my privilege to work with hundreds of people over the many years I have been involved in the real estate and mortgage business. My experience and expertise have helped them buy their dream home when they thought their circumstances would prevent it. It has been a joy to help so many. ...
Views: 62(1 vote)You must read the article to rate it. - What is a Loan Modification & How Can I Successfully Negotiate One? - by Submitted on Aug 05, 2009 from Justin BartlettWhat is a Home Loan Modification? A successful mortgage loan modification is a process whereby the terms of the existing mortgage are modified to new terms that are more agreeable to the homeowner and lender. What’s the basic idea behind loan modification agreements ? How does this ...
Views: 79You must read the article to rate it. - Credit Repair FAQ's - by Submitted on Jul 30, 2009 from Steve De la RosaHere are some basics facts and tips on consumer credit repair and why you should look into having it repaired. "What is a credit report, and why is it important?" A consumer credit report is a factual record of your credit activities. It reports all your credit accounts and outstanding ...
Views: 62You must read the article to rate it. - Pros and Cons of Debt Consolidation - by Submitted on Jul 28, 2009 from Pragya KatariyaDebt consolidation means that you can take one huge loan to pay off your smaller multiple loans. Now you may well wonder why take one loan to pay off other loans? Advantages of debt consolidation Lower rate of interest In most cases, a debt consolidation loan is a secured loan, or a loan ...
Views: 61You must read the article to rate it. - Proper Mortgage Planning for Beginners - by Submitted on Jun 29, 2009 from Krista ScruggsCongratulations on your decision to buy a home! With the home, the initial mortgage is most likely a sobering occasion, especially considering just how much money you agree to pay over the next few decades. When you add the financial responsibility that comes with home ownership to the amount of ...
Views: 107You must read the article to rate it. - Evaluating Loan Products When Refinancing - by Submitted on Jun 29, 2009 from Krista ScruggsRefinancing your home loan is an important consideration, especially in the face of so many different loan products. The loan you choose for the most expensive asset and debt has the power to greatly influence your overall fiscal health – either in a good way or in a negative manner. For example, ...
Views: 84(1 vote)You must read the article to rate it. - Questions to Ask Yourself Before Refinancing Your Home - by Submitted on Jun 29, 2009 from Krista ScruggsDoes a refinance of your home loan sound like a good idea to you? If so, make sure you answer a few simple questions before you get the ball rolling. Since a refinance in many ways mimics the process you went through when applying for your initial mortgage – with the exception that now you are ...
Views: 93(1 vote)You must read the article to rate it. - Mortgage Acceleration Made Easy - by Submitted on Jun 17, 2009 from Garry RichardsonWouldn't it be nice to be debt-free? The American dream of homeownership has traditionally come with a 30-year mortgage. Add to that credit cards, car loans, college tuition, and the average consumer is drowning in debt. Over the last few decades this has become our way of life, buy now, pay ...
Views: 149You must read the article to rate it. - Four Ways to Avoid Foreclosure - by Submitted on Jun 15, 2009 from Neil TercAlong with the economy and the financial sectors, the housing market is in a free fall and home mortgage lenders are tightening the purse strings. In the foreseeable future and recent past, experts estimate nearly three to four million people (1) will be unable to avoid foreclosure and will lose or ...
Views: 101You must read the article to rate it. - Home Loan Refinance Considerations - by Submitted on Jun 14, 2009 from Krista ScruggsWho is a good candidate for a home loan refinance? Obviously a consumer who is paying more in interest than the current interest rate that is being advertised. General wisdom dictates that a homeowner should consider refinancing when interest rates drop by at least two percentage points, but there ...
Views: 88You must read the article to rate it. - Crucial Questions to Ask When Shopping Around for a Mortgage - by Submitted on Jun 14, 2009 from Krista ScruggsShopping around for the most advantageous mortgage product is a crucial endeavor when planning on purchasing a home. There is a lot at stake, and the odds of losing out financially for the duration of the loan is huge if the loan product turns out not to be what you had anticipated. Most ...
Views: 114You must read the article to rate it. - 7 Ways to Avoid Foreclosure - by Submitted on Jun 09, 2009 from Steve TetaThrough no fault of your own, you may be facing one of the greatest challenges of your life; how to prevent your property from being foreclosed upon. Why let the bank take your most valued asset and leave you with nothing? Fortunately, alternatives exist. In fact, there are seven ways you can ...
Views: 106(1 vote)You must read the article to rate it. - Seller Financing: Better for the Seller Than for the Buyer - by Submitted on Jun 08, 2009 from Khayyam JonesOne of the most misunderstood topics in real estate is "Seller Financing". This is probably because the topic of seller financing is usually discussed from the perspective of the buyer. And in most cases the buyer is a beginning investor who is trying to get a "good deal" or they are starting to ...
Views: 127You must read the article to rate it. - Innovative Mortgage Payment Protection Insurance - by Submitted on Jun 08, 2009 from Kate FordMortgage payment protection insurance is a new solution to an old problem. Everyone knows that now is the ideal time to buy a house. In fact this could be the occasion of a lifetime to enter into homeownership. Who would have dreamed that prices would have fallen between 20% to 40% and even more ...
Views: 103You must read the article to rate it. - Mortgage Rate Calculators - How to Knock Decades off Your Loan - by Submitted on Jun 08, 2009 from Kate FordI am accustomed to being asked about mortgage rate calculators. What is a mortgage calculator? What does a mortgage loan calculator do? Why is a mortgage payment calculator different from a common calculator? How does a mortgage home calculator work? Who benefits from a mortgage amortization ...
Views: 121(1 vote)You must read the article to rate it. - Credit Scores - 10 Things Every Home Buyer Should Know - by Submitted on Jun 06, 2009 from Brandon CornettStart researching credit scores online, and you will soon find yourself overwhelmed with conflicting information. Save yourself the trouble. This article tells you exactly what you need to know about credit, mortgage loans, and the relationship between the two. You would be amazed at how much some ...
Views: 82You must read the article to rate it. - Prequalifying for a Mortgage - by Submitted on Jun 05, 2009 from Krista ScruggsPrior to obtaining a mortgage, consumers generally seek to prequalify. This is the process of having a lender look at the consumer’s credit profile, debt to income ratio, and from there make an educated guess about how much money the lender is willing to give to the consumer as a mortgage loan. ...
Views: 88You must read the article to rate it. - How to Stop Foreclosure: Extended Right of Rescission - by Submitted on Jun 03, 2009 from Khayyam JonesWith the wave of people facing foreclosure there are many who are asking for help. What can be done to stop the foreclosure process. Many of our clients have decided to use the powerful extended Right of Rescission which immediately terminates the foreclosure process permanently. Let me ...
Views: 176You must read the article to rate it. - Why You Should NOT Repay the Mortgage on Your Home - by Submitted on Jun 01, 2009 from Clayton MooreThe traditional view of a mortgage is a loan to buy your home, which you spend the next 25 to 30 years paying back, with interest. Finally, close to retirement age, you’ll be free of this debt and will own your home. Here’s a more radical approach: Mortgages are a key tool that can help ...
Views: 119You must read the article to rate it. - Why Prequalify for a Mortgage Loan? - by Submitted on May 28, 2009 from Krista ScruggsIn the past it was easy to apply for and receive a mortgage loan. Lenders were open to entertaining loan applications that showed no verifiable income and that could have been rather risky investments. As the loan market tightened significantly over the last few years, prequalifying for a mortgage ...
Views: 145You must read the article to rate it. - Why the Bank Doesn’t Want Your House - by Submitted on May 24, 2009 from Karla Jo HelmsOnce upon a time, collateral was king when it came to borrowing money. And your home was typically the crown jewel of your collateral assets. Home ownership gave you instant credibility to a lender who could quickly pull up your payment history and deduce from past payment schedules that, yes, you ...
Views: 114You must read the article to rate it. - Financial Steprs to Buying a Home - by Submitted on May 23, 2009 from Deon SwiggsThis is a small excerpt from an interview I did with a guy named Bill James. Bill is a great financial adviser and I have been working closely with him in creating a book and a workbook that should be ready for print in a few months. I thought this was important for buyers and sellers to ...
Views: 99(1 vote)You must read the article to rate it. - Do You Qualify for a Pre-Foreclosure Loan? - by Submitted on May 23, 2009 from Mei FontanaFinding out your house is in pre foreclosure is something that is very scary, stressful and also very emotional. However, there are things you can do to stop the foreclosure process and save your home. You may be able to qualify for pre foreclosure loan from a bank or another lender. No bank or ...
Views: 124(1 vote)You must read the article to rate it. - Have Mortgage Delinquencies Hit Rock Bottom? - by Submitted on May 18, 2009 from Krista ScruggsIt is baffling just how many homeowners are going belly-up in their loans, especially considering that there are copious mechanisms in place to save those who are facing foreclosure or even see themselves nearing the road to foreclosure. The foregoing not withstanding, there is a school of thought ...
Views: 95You must read the article to rate it. - First Time Homebuyers Profit from the Falling Market - by Submitted on May 14, 2009 from Krista ScruggsHas the housing market bottomed out? Is it possible that home prices are going to continue falling? Will mortgage rates continue to go down? Will they go up? Aspiring homeowners most likely wonder what the market future holds and whether or not they should buy now or wait a month or longer. It is ...
Views: 89(1 vote)You must read the article to rate it. - Will Home Equity Make a Comeback? - by Submitted on May 12, 2009 from Krista ScruggsWhether it was the artificial inflation of home values or the sudden drop in the market, home prices fell so severely that years of built up equity virtually disappeared overnight. What used to be considered a failsafe investment, for many homeowners has now become a huge albatross around their ...
Views: 92You must read the article to rate it. - Saving Property from Foreclosure - by Submitted on May 10, 2009 from mike greavesLegal foreclosure is the process in which a bank or other creditor takes over the borrower’s property in lieu of the debt they have to pay, using legal means. A foreclosure step is normally taken by the creditor only when the borrower has not paid the loan dues for a very long period. There are ...
Views: 97(1 vote)You must read the article to rate it. - How to Handle Foreclosure - by Submitted on May 10, 2009 from mike greavesForeclosure is a legal process in which a lender like a bank or mortgage company attempts to take over the debtor’s property to satisfy an unpaid debt if the property has been kept as a collateral security for securing the debt. The lender may claim ownership of the property or sell the property ...
Views: 102(1 vote)You must read the article to rate it. - Don’t Think About Buying a House without Reading This First - by Submitted on May 06, 2009 from Menno SpijkstraBuying a house isn’t as easy as many think it to be. There are plenty of suckers falling for the sweet sales pitch of some bozo trying to sell them something for the sole purpose of getting “their share” of the transaction. Don’t play a fool for these goofballs – it’s important that you ...
Views: 100(1 vote)You must read the article to rate it. - Coralling Home Appraisal Fraud - by Submitted on May 05, 2009 from Krista ScruggsWho has not had that moment of nail biting when trying to refinance a property with cash out option, hoping that the appraisal will come in high enough to persuade the bank to part with the much needed equity? Have you ever wondered how it is that the appraisal came in just exactly what you needed ...
Views: 109You must read the article to rate it. - How to Simplify the Mortgage Process and Make it Easy to Obtain Financing - by Submitted on May 01, 2009 from GERTRUDE CHAPMANIf you ask the average person what was the most stressful part of seeking a mortgage, most will tell you the diversity of products. The mortgage industry has come a long way from a few basic programs to an array of financing options. There are products to accommodate most any of life’s ...
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