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Mortgage and Home Financing Articles
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- Reasons To Forgo Mortgage For Rental - by Submitted on Jan 12, 2011 from Aston LeeThe advice of getting a home loan to buy a house instead of spending money on renting one is timeless. Owning a house not only helps one accumulate wealth on home equity, but it also serves as a hedge against inflation since home prices are most likely to rise with inflation. However, there ...
Views: 1894 - 2011 Preview: Foreclosures Imminent - by Submitted on Jan 11, 2011 from Total MortgageThis upcoming year is unlikely to be a good one for the housing market. There are many reasons for this conclusion. Yesterday, in a blog post I discussed the inevitable drop in the values of homes in 2011. This article, I want to talk about what seems like another 2011 inevitability: a rise ...
Views: 873 - What Every Real Estate Investor Needs to Know About Foreclosure Document Problems - by Submitted on Jan 11, 2011 from Kurt WellsYou’ve probably been hearing a lot of talk in the news about lenders having “document problems” and suspension of the foreclosure process until the problems can be cured. Well, here is my understanding of what they are really talking about. First, let me say I am an investor, not a lawyer. ...
Views: 901 - 2011: The Year of Foreclosure? - by Submitted on Jan 11, 2011 from Total MortgageNext year is not likely to be a good one for the housing market. The reasons for this are multifold. In a post yesterday I discussed what I see as an inevitable decline in home values in the coming year. In this post I want to discuss what I see as another 2011 inevitability: an increase in ...
Views: 873 - Lenders Now Required To Disclose Impact Of Credit Score On Mortgage Rates - by Submitted on Jan 10, 2011 from Total MortgageBeginning on 1/1/11, mortgage lenders are being required to give borrowers credit score alerts on how their credit scores might potentially be preventing them from being offered optimal mortgage rates. The point of the credit score alert is to provide warnings to mortgage seekers about the ...
Views: 1089 - Warren Buffet Predicts Interest Rates Will Increase This Year - by Submitted on Jan 11, 2011 from Total MortgageDoes Warren Buffett, quite possibly the world’s top financial guru, predict that mortgage rates will rise in 2011? His most recent bond trades give good reason to believe that he does. Berkshire Hathaway borrowed 1.5 billion dollars by issuing fixed-rate bonds to pay off adjustable-rate debt. ...
Views: 1416 - Good rates for Mortgage Refinancing - by Submitted on Jan 11, 2011 from Joey MaxinHaving being qualified for assorted lenders, so that you can pull out your credit, just those companies needs to be authorized that will ensure the best rates for mortgage refinance. After refinancing the mortgage one thing that may be considered by you is the payment of any settlement costs ...
Views: 874 - Solar Garden Lighting - The Various Options Available - by Submitted on Jan 07, 2011 from Hilda GainesSolar garden lighting is fun and adds life to the backyard. These beautiful ornaments are powered by the energy of the sun during the day and light up at night. Not only do they look beautiful but also help in conserving energy and need zero maintenance. Solar lights can vary from solar powered ...
Views: 857 - What Can I Afford To Spend On Rent - by Submitted on Aug 29, 2013 from andrew reichekJust as you would pay your monthly mortgage note on time, paying your monthly rent each month is just as important. So before you get into a situation where you cannot comfortably make your rental payments each month, take the time to sit down and figure out what you can afford. We have provided ...
Views: 892 - New Alert Will Highlight The Impact Of Credit Scores On Mortgage Rates - by Submitted on Jan 04, 2011 from Total MortgageStarting Jan. 1 next year, mortgage lenders will be required to give borrowers credit score alerts on how their credit scores might be preventing them from getting good mortgage rates. The intent of the credit score alert is to warn mortgage borrowers about the impact of their FICO scores on ...
Views: 994 - Why The Cash-Shiller Home Price Index Is Worthless – Or At Least Not Very Helpful - by Submitted on Jan 04, 2011 from Total MortgageYou’re thinking of purchasing a home but are worried about home values falling. Then you see that the Case-Shiller Home Price Index says home prices fell again. So you postpone your potential house purchase. That could be a mistake. Actually, the Case-Shiller Home Price Index is not really ...
Views: 1032 - How to Properly Make The Most Of Mortgage Marketing - by Submitted on Jan 03, 2011 from mark baileyThe amount of mortgage brokers in the industry is more than enough to supply mortgage loans for everyone who needs it, which is why it is important to know what it takes to compete. If you want to considerably boost your profit, then you should know how to properly make use of mortgage ...
Views: 790 - What You Need To Know About The Different Types of Mortgage - by Submitted on Dec 23, 2010 from Angela GallardoThe United States has one of the most active mortgage markets in the world. Therefore, it is easy to understand why so many different mortgage services are available and provided by a number of entities, ranging from individual companies to large organizational mortgage providers. Property in ...
Views: 834 - Rising Mortgage Rates Push First-Time Home Buyers Into Housing Market - by Submitted on Dec 23, 2010 from Total MortgageRising mortgage rates prompted more first-time home buyers to purchase homes last month. That was one of the conclusions of the latest Campbell/Inside Mortgage Finance HousingPulse Tracking Survey. While mortgage rates began increasing from record lows in early November the first-time home ...
Views: 1071 - Decision By Regulators May Have Big Impact On Mortgage Rates And Products - by Submitted on Dec 22, 2010 from Total MortgageA decision by government regulators on an obscure issue next month could have a big impact on mortgage rates and home loan products available to borrowers. Under the Dodd-Frank Act that overhauls regulation of the country’s financial system, mortgage lenders must share losses on their loans. ...
Views: 860 - Where To Seek out The Best Remortgage Deals - by Submitted on Dec 10, 2010 from Albert JohnsonThe credit state of affairs that has generated these ructions through the planet has at least taught us all a worthwhile lesson - in financial terms, points are almost never if ever certain, and also you really need to prioritise situations including your home loan. Whenever people miss ...
Views: 912 - What is debt negotiation and it’s benefit? - by Submitted on Dec 13, 2010 from Schryver Law GroupIf you're unable to manage your debts by cutting your expenses or don't find it favorable to consolidate your bills and reduce the interest rates, you may go for a debt negotiation program. Whether you have mounting credit card bills, payday loans or medical bills, a debt negotiation program can ...
Views: 1018 - The 15 Year Mortgage - by Submitted on Nov 02, 2010 from Jim McNeesWith the recent drop in interest rates (and the over-all trend in property values), the 10 and 15 year mortgage has become much more desirable. Lately, the 15 year mortgage money is under 4% and allows homeowners to re-finance to a phenomenal rate and get back to building equity in their ...
Views: 1200 - Easy Solutions For Foreclosure - by Submitted on Oct 25, 2010 from Jeremy SelbWith our economy and the real estate crash to many people are familiar with the word foreclosure. This phenomonon has not ended, people are getting foreclosure notices still today. When you experience this process you tend to learn the things that could have been done but of course it is to ...
Views: 1258(4 votes) - 4 Tips to Help with Loan Modification and Avoid Foreclosure - by Submitted on Oct 25, 2010 from Jeremy SelbIf you are facing financial problems due to the recent recession you may be in need of loan modification to help you deal with it. Loan modification is a safe way to get you back on top of your financial situation and quite possibly save you from the foreclosure process. Many people have lost ...
Views: 1181(4 votes) - What are the Benefits of Public Housing Self Sufficiency Program? - by Submitted on Oct 07, 2010 from Aalia DouglasPublic Housing Family Self-Sufficiency Program: There are countless families in the USA who have to compromise with their self-respect and self esteem because of insufficient income. The sense of dependence on the welfare organizations can also stifle the freedom of many families. Hence, the ...
Views: 1761 - How low Income People can apply for the Government Housing Grant? - by Submitted on Oct 07, 2010 from Aalia DouglasHousing Grants: If you have a bad credit rating then it is rather very difficult to find a lender who can help you in buying a new house, but you can rely on the government for help in this situation. almost everyone is familiar that most of the lenders would usually avoid people with bad ...
Views: 1185 - Mortgage Loan Auditors - How They Can Help - by Submitted on Sep 30, 2010 from Justin DavisWhen you buy a property with a loan, it is best to hire a mortgage loan auditor. This is a person who is expert in the field and he can help you face issues like foreclosure and other mortgage related problems. They can actually work miracles when turning the tide in your favor, in case you're ...
Views: 1550 - How Women Can Access Healthcare And Housing Grants? - by Submitted on Sep 30, 2010 from Aalia DouglasHealthcare and Housing Grants for Women: The market of real estate has been exploding like anything in the last few years. With the prices reaching the sky, majority of people are being left completely out of market, as they are not able to afford even basis-a small home of their ownership. ...
Views: 1460 - Why Should Homeowners Refinance Home Mortgage Loan in Falling Housing Market? - by Submitted on Sep 30, 2010 from Julia LeeCurrent economical environment has negatives and positives for homeowners. Some focuses on adversities, others take the opportunities presented. Ordinary people have no control over what is happening to housing prices, interest rates and unemployment. They have to work their way around these ...
Views: 1297 - Gain More From Private Mortgage Investment - by Submitted on Sep 30, 2010 from Charles CailliauInvesting in collateralized mortgage loans is more profitable and risk-free with guaranteed annual earnings of 8 percent and as much as 13 percent paid on a monthly basis. On the other hand, investment in regular stock market offerings such as stocks, bonds and annuities never yield earnings ...
Views: 1098 - Mortgage Net Branch for Small Brokerages - by Submitted on Sep 30, 2010 from Charles CailliauSmall mortgage brokers are turning to the mortgage net branch as the alternative business model to succeed in the highly competitive home lending industry. The net branch in the mortgage industry simply means branch partnership or affiliate which gives players more independence and less of the ...
Views: 1461 - What Aspects should be considered while seeking Financial advice Services?Submitted on Sep 30, 2010 from Darren ScottA Financial advice can very strongly influence the Financial statistics of a Company, provided that it should be sought from an expert. Financial management is a very critical aspect for sound management of a Company's financial assets. The financial assets of a company are very crucial and ...
Views: 1161 - Understanding Mortgage Rates & Arm Mortgages - Tips You Need to Know - by Submitted on Sep 21, 2010 from Diana EnnenMortgage rates have declined to historically low rates. Couple that with plenty of real estate homes on inventory and it can be a great time to invest in real estate. In addition to the option of plenty of homes, you now have multiple options to your mortgage as well. For example, aside from ...
Views: 1254(6 votes) - An Introduction To Adjustable Rate Mortages In Today's Economy - by Submitted on Sep 07, 2010 from Chad LongOne more frequent type of home mortgage is the adjustable rate mortgage or ARM. With this variety of loan, the interest rate will vary depending on the 6 distinctive real estate indexes. The interest rate changes so the lender of the loan gets to proper margin. This is due to the fact that the ...
Views: 958 - How to evaluate an online Home Mortgage Lender and Identify Deceiving Internet Advertising - by Submitted on Sep 07, 2010 from Judith SellensWhich Internet lender do you choose to originate your loan? One way is to search the internet for a mortgage lender near your location. Search results for many lenders appear, and you want to make a sound choice. A good beginning is to look at the name of the suggested lender site. Is ...
Views: 2025(1 vote) - Mortgage Protection Cover, a Good Supplement to Homeowner's Insurance - by Submitted on Aug 27, 2010 from daxen stewartAlthough homeowner's insurance is mandatory at the time of purchasing a new home, the coverage is not all inclusive, and could leave your family in danger of losing the residence if anything should happen to you. Homeowner's insurance provides coverage against acts of nature, water and fire ...
Views: 1473 - Employment and The Future of Home Ownership - by Submitted on Aug 26, 2010 from Judith SellensCalifornia Home sales peaked in May 2005 and crashed in January 2008. Will it take the housing market ten or twenty years to correct? Texas housing values crashed in the end of the 1070s. Texas required ten years to recover. Past United States recessions were shorter than our present one. ...
Views: 1187(7 votes) - Government Mortgage Assistance: Beneficial For Homeowners And Lenders - by Submitted on Aug 24, 2010 from Billa PerezGovernment Mortgage Assistance programs have been introduced by the Obama administration to help homeowners to avoid foreclosures if they are unable to pay back their home loans due to recession. This is specially designed to help people modify their existing loans and refinance their homes. ...
Views: 922 - Government Mortgage Assistance: A Big Help For Desperate Homeowners - by Submitted on Aug 24, 2010 from Billa PerezGovernment mortgage assistance is proving to be a boon for those homeowners who are under the heavy burden of mortgage. This timely assistance has surely made their lives a little bit easier. It is the dream and hope of every family to own a house, and provide the children with a loving and ...
Views: 1186 - Its Time to Refinance and Lower Your Monthly Payments. - by Submitted on Aug 24, 2010 from Adam DavisAs mortgage rates continue to set new record lows, the question is, Should I refinance? The Federal Open Market Committee, which is the group of Federal Reserve governors who determines the route of our nation's economic policy, released their statements on Tuesday. The policy statement ...
Views: 1047(1 vote) - Choosing the Right Mortgage (Housing Loan) for YOU - by Submitted on Aug 24, 2010 from Craig LockArticle Title: Choosing the Right Mortgage (Housing Loan) for YOU Shared by: Craig Lock Category (key words): Personal Finance, Mortgage, Mortgages, Mortgage loans, Housing Loans, Financial Mortgages, Financial Success, Money, Money Management, Finance, Financial Independence, Mortgage, ...
Views: 1232 - Why do most people not achieve financial success? - by Submitted on Aug 18, 2010 from Craig LockArticle Title: Why do most people not achieve financial success? Shared by: Craig Lock Category (key words): Money, money management, finance, financial success, financial independence, personal finance, money books, books on money management (enough there now) Web sites: ...
Views: 2089(2 votes) - Mortgage Origination – Processing Steps for funding a Real Estate Loan - by Submitted on Aug 09, 2010 from Judith SellensProcessing a real estate loan requires the work of many people and takes lot of time. The following detailed loan processing steps explain, “What happens next.” First, the loan originator takes the loan application from the borrower. Usually the loan application is taken over the ...
Views: 6634(1 vote) - Garage Storage and Today’s Economy - by Submitted on Aug 10, 2010 from Ryan SheaWhat do garage storage and the current state of today’s economy have in common? They both appear to be completely different topics and for the most part they are. However the state of today’s economy has had a huge influence on homeowners as well as on the businesses that provide products and ...
Views: 2130(1 vote) - First Time Home Buyers Guide – Where to Start, What to Expect & How to Properly Budget - by Submitted on Jul 09, 2010 from Aaron GarciaBuying your first home is an exciting event, and as someone who has recently bought a home, I can tell you that it is more than worth all the time and effort that goes into it. But if you are anything like me, you might not know where to start. Do you start by finding a real estate agent? Do ...
Views: 2087(4 votes) - Why Use a Realtor when Buying, or Selling, a Home? - by Submitted on Jul 09, 2010 from Greg FordAllison was looking to buy a condo. She found one that she really wanted. The seller would provide owner financing. He said she could get the best deal if she did not use a real estate agent. Allison really wanted it and they signed a contract. She completed the down payment, and closed on the ...
Views: 1800(3 votes) - Refinancing For Home Mortgage Loan - by Submitted on Jul 12, 2010 from saravananccs saraHowever these aren’t most of the borrowers, it’s true that they represent a decent chunk of them, but the rest chose Sriloans home mortgages. By doing this it allowed them to plan and budget their expenses from the start, because they were aware that the exact same amount that they were paying ...
Views: 855 - Tips on Shopping For A Home Loan - by Submitted on Jul 09, 2010 from David WhiteWhen shopping for a home mortgage loan, it is important to make sure that you compare mortgage loan offers to see if you are getting the best deal. But for many home owners comparing mortgage loans is not an easy task. Below are some easy steps so you can do to compare several different home ...
Views: 1088(4 votes) - How to Compare Rates for Mortgage Refinancing - by Submitted on Jul 06, 2010 from Robert Boyer"How do I compare rates to find the best mortgage?" is often the first question people ask when considering mortgage refinancing or when looking at homes for sale as investment property, a second home, or primary residence. Industry standards are evolving but it is still difficult to compare ...
Views: 1594(10 votes) - 5 Steps To A Loan Modification On Your Own - by Submitted on Jul 02, 2010 from Krista ScruggsThere are typically five steps you will have to go through during a loan modification. There are a lot of details involved and you will have to work hard. Follow each of these steps in order. 1. Explain your situation. This is typically done through what's called a hardship letter. ...
Views: 1134(7 votes) - Who qualifies for a VA Home Loan - by Submitted on Jun 19, 2010 from Mark KreischersWho Qualifies for a VA Home Loan? There are several different eligibility requirements you must meet to qualify for a VA Home Loan. If you are not sure if you will qualify for a VA Mortgage, you should speak with a VA mortgage broker or a VA Home Loan Specialist. One of the first steps toward ...
Views: 1433 - 4 Tricks To Get You Approved For A Home Loan Modification - by Submitted on Jun 11, 2010 from Krista ScruggsThe process of qualifying for a home loan modification is complex and often misunderstood. Often families or individuals who appear to be qualified don't in fact make the cut, and this can cast doubt in the minds of potential applicants who may feel they don't stand a chance of gaining any ...
Views: 1864(6 votes) - Home Loan Modification Approval - The 3 Things You Must Do - by Submitted on Jun 10, 2010 from Krista ScruggsGetting approved for a home loan modification can be a confusing process. Most homeowners won't need to pursue mortgage relief more than once or twice in their lives, and thus few individuals seeking loan modifications are familiar with the steps involved in getting approved. This is ...
Views: 1224(5 votes) - Property appraisal – Its importance and solutions to a low appraisal - by Submitted on Jun 07, 2010 from Cachet GomesA real estate appraisal is important when you take out a mortgage loan to purchase a property. It helps to determine the market value of the property you're planning to purchase. The lender also requires an appraisal to verify that if required, whether or not the invested amount can be recovered ...
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