Mortgage

835 Articles total.
Finding a Mortgage Refinance Advisor

On Feb 25, 2015 0 104 52

Finding a Mortgage Refinance Advisor If you are looking to refinance your home for a lower rate, or you are interested in a refinance with cash out to do some home repairs, buy a new car, etc., you may want to consider finding a mortgage refinance advisor...

Understanding The Mortgage: Adjustable Or Fixed?

On Feb 25, 2015 0 104 52

The mortgage is not one simple thing. There are many types of them and they each offer different advantages to those that are looking for one. Purchasing a home is one of the largest investments that you will ever make during your life time...

Refinancing Your Home Mortgage Loan - Refinance Your Adjustable Rate Mortgage

On Feb 25, 2015 0 104 52

Refinancing an adjustable rate mortgage (ARM) is a common practice for borrowers. However, it may not always be the best option. Depending on how high interest rates climb, there are cases when you could end up spending more on converting your mortgage than you would save with a locked in interest rate...

Understanding Points in Home Mortgages

On Feb 25, 2015 0 104 52

If you are in the market for a mortgage to buy a house you've no doubt heard the term "points" being thrown about. No, they aren't talking about the score from last night's NFL game; they are actually talking about a fee that is paid to the lender of the mortgage you are taking out to buy your home...

Home Loans

On Feb 25, 2015 0 104 52

Approvals of home loans in January 2005 fell to their lowest level since January 1999. Only 126,300 mortgage loans were approved throughout the month, representing a 28% year-on-year drop in mortgage loan approvals...

The Basics of Reverse Mortgages

On Feb 25, 2015 0 104 52

Reverse mortgages are loans against your home that require no repayment for as long as you live there. As opposed to regular mortgage loans, reverse mortgages have no income requirements and are based solely on the equity of your home or condo...

Paying Off Your Mortgage: How To Run The Numbers

On Feb 25, 2015 0 104 52

If you have Microsoft Excel running on your computer at home or work, you can use Excel†s NPER function to calculate how quickly you can pay off a loan such as a mortgage. The NPER function calculates the term, or number of regular payments, on a loan given its interest rate, payment amount, present loan balance, balloon payment (if any), and, optionally, the type-of-annuity switch...

What to Do When Your Mortgage Lender No Longer Exists

On Feb 25, 2015 0 104 52

So you've paid your mortgage on time every month and have always made sure that you review your yearly mortgage summary from your lender. You stay on top of things and have developed a good working relationship with your lender, even though they may be thousands of miles away...

A Primer on Reverse Mortgages

On Feb 25, 2015 0 104 52

Economists report that as housing prices have skyrocketed over the past several years, the amount of money that households are saving through 401(k) plans and FDIC insured savings accounts has fallen.  For many people approaching retirement age that means they may be "equity rich" and "cash poor" at the same time...



Securing the Best Mortgage Rate

On Feb 25, 2015 0 104 52

If you are looking to purchase a new home or refinance the one you are currently living in, you will want to find the best mortgage rate out there. Securing the best mortgage rate for you really isn†t that difficult if you are willing to take some time and educate yourself, as well as put out some feelers to do some shopping around...

Refinancing Costs - What To Expect

On Feb 25, 2015 0 104 52

Refinancing your current mortgage is a wise financial decision if you can recoup the costs of a refi. An average refinancing deal, you can expect to pay between two and six percent of the loan amount if fees and points...

Why Mortgage Rates Rise When the Fed Cuts Rates

On Feb 25, 2015 0 104 52

Short term loans like car loans, credit cards and home equity loans are automatically lowered with Federal rate cuts because they are based on the Prime rate. Longer term loans such as mortgages aren†t because they are based on competing investment options, for instance investing in stocks rather than real estate...

Mortgages. Why Interest Only Can Be A Risky Option

On Feb 25, 2015 0 104 52

The Council of Mortgage Lenders†figures are showing a growing trend in interest only mortgages. From January to March 2002, 9% of new mortgages were interest only. Now take the period from October to December 2005, and the amount of new interest only mortgages has risen to 23%...

Free Mortgage Quotes

On Feb 25, 2015 0 104 52

Attaining a mortgage quote is obviously helpful for the people who want to refinance their existing house and purchase a new house in the near future. While in the past this involved sitting through a sometimes arduous and always unnerving interview with a banker, the whole process has become simplified, thanks to the efforts of some companies who provide free mortgage quotes online...

1st And 2nd Mortgage Refinance Loan

On Feb 25, 2015 0 104 52

Refinancing a first and second mortgage requires some extra considerations. Depending on your equity, you may find that combining the two mortgages results in a higher interest rate. You may also find that you have to carry PMI with the refinanced mortgage...

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