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Dan Lewis's Articles

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An Overview of the Mortgage Process 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. Commercial Real Estate – Hard, Hard, Hard Money Loans Financing for commercial real estate is a completely different game when compared to residential mortgage loans. It moves much faster and is much more flexible. Repaying Your Mortgage Home Loans – The Basics 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 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 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. Understanding Mortgage-Backed Securities 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 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. Ben Bernanke – Replacing Alan Greenspan The reputation of Alan Greenspan as the Chairman of the Federal Reserve was one of brilliance or incredible luck. Now it is the turn of Ben Bernanke. Fannie Mae – Supporting Homeownership Through Mortgages 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. Picking A Home Loan – Short Term 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 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 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 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 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 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 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. Balloon Mortgages – Be Careful 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. Subprime Mortgages – Information Undoubtedly, you’ve heard the radio commercial claiming you can get a mortgage despite having bad credit. Bad credit mortgages are better known as subprime mortgages. Getting Pre-Approved for a Mortgage Makes Buying Easy 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. Commercial Real Estate Definitions - From O to Z Commercial real estate is distinctly different from residential real estate. The terminology is very different and here is a list of new terms from O to Z. Commercial Real Estate Definitions - From A to N Commercial real estate is distinctly different from residential real estate. The terminology is very different and here is a list of new terms from A to M. Modular Homes - Affordable Housing With soaring real estate prices, many Americans are looking to alternative home options. Modular homes are one of the popular affordable housing options. Selling Your Home - Don't Be A Victim Selling your home can be a complex process. If you make mistakes, you may be unable to sell you home or have seller's remorse. There's no need for this if you keep in mind the following. Real Estate Boom To End? - No! The naysayers are proclaiming the end of the real estate boom once again. Once again, they are wrong. Renting – Making Other People Rich Many renters say they prefer to rent because it is simple and doesn’t carry the stress of home ownership. In truth, they are simply making other people rich. Figuring Out Whether You Can Afford That Home House hunting can be a brutal affair, particularly if you don’t know what you can afford before hand. No your price range in advance and you can avoid looking at really nice homes you’ll never get. . Federal Reserve Bank – Controlling Mortgage Interest Rates Homeowners often become very interested in the Federal Reserve Bank system. Every time the board of directors meets, mortgage interest rates are at risk. Alan Greenspan – A Retrospective No one person has been praised or criticized for the economic progress of the United States over the last 20 years than Alan Greenspan. Here’s his story. Credit Repair – From C to A Paper If you’ve ever applied for a home loan with less than stellar credit, you know how much extra you have to pay. Even though it can take some time, credit repair is definitely worth pursuing. Home Loan Basics If you’re getting ready to apply for your first home loan, you’re going to need to understand the home loan basics.
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