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Articles in Home | Money & Finance | Mortgages

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Is an Interest Only Mortgage a Good Idea? By : Peter J Kenny If you are going to take out an interest only mortgage, make sure that the funding method you use is safe, and that you have contingency plans if the fund is insufficient to pay back the capital. 80/20 Loans Explained By : Jeff Lakie Nearly half of all first-time homebuyers financed the entire cost of their home, rather than paying a hefty down payment. Mortgage Options for Self-Employed Buyers By : Jeff Lakie Self-employed homebuyers generally have more difficulty getting a mortgage, because of the way their income is reported and because they are often perceived as not having the job security of others – if they get sick, for example, their whole operation may be down for the duration. Adjustable Rate Mortgage By : Michael Colucci The adjustable rate mortgage is a type of loan which will be secured on a home which has an interest rate and monthly payment that will vary. The adjustable rate will transfer a portion of the interest rate from the creditor to the homeowner. Mortgage Can be a Long Engagement By : Michael Colucci Mortgage is a transaction that makes a borrower’s dream become a reality. Lenders earn big bucks on mortgage loan agreements. Types of High Risk Mortgage By : Joe Kenny As the cost of houses continues to increase, fewer people are able to afford them. Many creditors have responded to this situation by creating a new class of mortgages that are quite risky. Mortgage Length – Calculating Which Is Best By : Cindy Kenny For many people, purchasing a home is one of the largest and most important investments they will make after their education. It is important to make sure you choose the right mortgage, one you will be able to pay off within a reasonable amount of time. What is an Interest Only Mortgage? By : Jeff Lakie The CML (Council of Mortgage Lenders) show that nearly 6 Million people have received mortgages that are interest only. Interest only mortgages means that your monthly payments are applied only to the interest accrued on the debt and not the actual debt itself. Reverse Mortgage Lenders By : Charles & Susan Truett You've made the decision that you need some extra assistance in meeting your monthly financial obligations. One of the best options for those over sixty-two years of age who own their own home is a reverse mortgage. An Overview of the Mortgage Process By : Dan Lewis House hunting can be an exhilarating process as you try to pick that perfect property. Applying for a mortgage isn’t nearly as much fun. Following is an overview of how the mortgage industry works. Repaying Your Mortgage Home Loans – The Basics By : Dan Lewis With the raging hot real estate market of the last five years, mortgages have evolved wide spread options. The different home loans can be confusing, so lets look at the basic repayment options. Home Loans and Negative Amortization By : Dan Lewis Owning a home is undoubtedly the American Dream and the bedrock of middle class. Negative amortization, however, can turn the dream into a nightmare if you are not careful. Mortgage Factors: Loan to Value By : Dan Lewis When applying for a home loan, there are a number of factors you have to take into account. Loan to value is one of the key issues that will determine whether you get that loan. Pros and Cons of Refinancing Loans By : Ben Anton Helping educate consumers about various refinancing loans. The article details the pros and and cons, as well as the right and wrong reasons to refinance. Also described is the various terms and vocabulary that consumers should know when going through the refinancing process. Understanding Reverse Mortgages By : Ken Charnly Can't remember how many times I've been asked 'What is a reverse mortgage'? Reverse mortgages are a great way to get a loan using your primary asset. As in all cases of financial lending, the flexibility comes at a price. The Million Dollar Mortgage Mistake By : Renae C. Judkins Unbeknownst to the average American, they are losing over $1,000,000 for their retirement because they aren't talking to financial advisors about their loans. Reverse Mortgage Information - Who Qualifies for Reverse Mortgages By : Charles & Susan Truett Reverse mortgages can be a great solution for seniors who wish to remain in their home but are having difficulty making their monthly payments and meeting other financial obligations. Understanding Mortgage-Backed Securities By : Dan Lewis The housing boom of the last seven years has been one of the biggest ever. Mortgage-backed securities are one reason for the torrid pace of real estate growth. FHA Mortgages - Federal Housing Administration By : Dan Lewis The Federal Housing Administration has been helping Americans get loans for over 70 years. Here’s an overview of the Administration, better known as the FHA. Fannie Mae – Supporting Homeownership Through Mortgages By : Dan Lewis The federal national mortgage association, better known as Fannie Mae, is an integral part of the mortgage industry. Here’s an overview on Fannie Mae and what it does. Things to Consider When Shopping for a Mortgage By : dave4 One of the first things to consider when shopping for a mortgage is what length of time would you like the mortgage to be. Would a 40 year mortgage be more advantageous then say a 30 year mortgage for example. Mortgage Lenders – Your Options By : Joseph Kenny Finding your dream home is usually the simplest part of the house buying process! Once you see somewhere you want to put in an offer for, you’ll want to move fast. It helps, therefore, to have your mortgage sorted before you find somewhere you want to buy. Re-Mortgaging – the Benefits By : Joseph Kenny Banks are reporting that the numbers of customers re-mortgaging their properties is at its highest ever. Most of these customers are seeking to take advantage of two important trends in the economy. Picking A Home Loan – Short Term By : Dan Lewis You’ve found a home, your credit is in good shape and you have money for a down payment. So, how do you go about picking the right home loan for you? Adjustable Rate Mortgages – Determining Rates By : Dan Lewis Adjustable rate mortgages are to home buyers as carrots are to bunnies – very tempting. The secret to figuring out if an adjustable rate mortgage is a good deal is the rate index used. Mortgage Refinancing Tips By : Dan Lewis As interest rates continue to creep upwards, many home owners are looking at refinancing options. Here are some mortgage refinancing tips. Mortgages – Points and Interest Rates Go Hand in Hand By : Dan Lewis When it comes to mortgages, many people tend to look at points and interest rates as to separate issues. In fact, they can almost always be used as leverage against each other. Adjustable Rate Mortgages and Negative Amortization By : Dan Lewis For many borrowers, adjustable rate mortgages are an attractive means of qualifying for a home. Fewer borrowers realize the potential negative amortization problems these loans can create. Mortgage Brokers By : Dan Lewis When applying for a home loan, it can be difficult to ascertain your options and the best deal out there. Mortgage brokers can help you shop for the best loan for your situation. Mortgage Brokers – The Nuts and Bolts By : Dan Lewis Using a mortgage broker to shop for home loans can make the borrowing process a lot less stressful than doing it yourself. Here are the nuts and bolts on getting a good broker.
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