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Articles in Home | Money & Finance | Mortgages

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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. 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. 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. 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. 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. Bad Credit Mortgage Refinancing By : Jim Bad Credit Mortgage Refinancing Program involves paying the earlier mortgage with the Bad Credit loan amount taken from another lender. Balloon Mortgages – Be Careful By : Dan Lewis In this modern economy, lenders provide loans tailored to just about any situation. Balloon loans are one such loan, but carry a serious downside if you’re not careful. California Home Mortgage By : Jim To apply for the best California Home Mortgage program one has to fill in an application form and provide information such as the social security numbers, marital status, current address, birth date, employment and salary information etc Do You Know How To Find The Best Mortgage Deal? By : Deanna Mascle That is why you simply must shop around to find the best mortgage deal available for you. In the end you could save yourself thousands of dollars. Here are five ways to help you find the best deal 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. Federal Reserve Bank – Controlling Mortgage Interest Rates By : Dan Lewis Homeowners often become very interested in the Federal Reserve Bank system. Every time the board of directors meets, mortgage interest rates are at risk. 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. Getting Pre-Approved for a Mortgage Makes Buying Easy By : Dan Lewis Whether buying or selling a home, the real estate transaction process can be seriously stressful. Hey, no pain, no gain. Getting pre-approved for a mortgage can seriously reduce stress levels. 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. Interest Only Mortgages – FSA Introduces New Regulations By : Michael Challiner First time buyers often choose the interest only mortgage, attracted to the lower monthly payments. However, as this article explains, the FSA has changed the regulations. 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. Is It ReFi Time? By : Ron King The precise moment to refinance a home is complicated to figure out. However, it is undeniable that such a moment will arrive, probably several times over the course of a 30 year mortgage. Just be prepared to act when the time comes. 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. 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. 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. 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. 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. Mortgage Loan with PMI or a Piggyback Loan By : Lance Private mortgage insurance is required when you purchase a home with a down payment of less than 20% of the sale price or the appraised home value, whichever is less. Your lender in this case will expect you to purchase a private mortgage insurance policy so that even if you default, he can compensate for the loss. So when you make low down payment on your home purchase, you pay for the insurance premiums on a monthly basis till you can build up sufficient equity in your home. 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. Mortgage Protection – How to Make Sure You're Fully Covered By : Michael Challiner Most people take out a life insurance policy when they get a mortgage, but there are many other things that could affect your ability to pay your mortgage other than death. We investigate the risks and the solutions. 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. Offset Mortgages – Perfect for Those with Savings By : Michael Challiner Offset mortgages are taking off, particularly among those in the higher tax bracket. What is an offset mortgage, and how do they work? Read on to find out. 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?
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