Mortgage

3417 Articles total.
Divorced And Deep In Debt, It's Not All Doom And Gloom!

On Feb 25, 2015 0 104 52

Almost half the letters I receive daily are from recent divorcees and for the most part their stories go something like this! The cost of my recent divorce has eaten up almost all of my 401(k) and I have been left deep in debt...

Don't Let Rates Get You, Lock It

On Feb 25, 2015 0 104 52

When interest rates begin to go up on mortgages, having your rate locked in can really protect you until closing. The average rate on a 30-year fixed rate mortgage has risen almost 1% in the past year...

Do We Need To Refinance?

On Feb 25, 2015 0 104 52

There are plenty of reasons why people chose to refinance. The needs for home improvements, sending a child to college or simply lower their monthly mortgage are a few. You need to find a loan company that offers you the best rate when you chose to refinance...

Ease Your Earning, Earn Faster

On Feb 25, 2015 0 104 52

Earning more is the most fundamental way to reach financial freedom. You can save more. You can invest more wisely. However, all those will only be more useful if you earn more. I can't stress this enough...

Exotic Mortgage

On Feb 25, 2015 0 104 52

With real estate prices ever on the rise, first-time home buyers are facing more difficulties in buying a home. Who ever thought they'd buy a $500,000 starter home? Mortgage lenders have acknowledged the problem by creating new and innovative mortgage products, mostly designed to lower the borrowers' payments in the first few years of the mortgage...

Extension of Short Leases on Central London Properties

On Feb 25, 2015 0 104 52

Copyright 2006 Nigel Osgood Facts The shorter the remaining term of the lease, the more difficult it will be to sell the property or for potential buyers to raise the finance Potential lenders usually require a minimum term of lease at outset of a mortgage facility and, also, require a 30 years left on the lease at maturity of the mortgage term Properties in prime areas of Central London, typically, have leases attached to them with less than 30 years remaining (some have much shorter remaining terms) Since the Commonhold & Leasehold Reform Act 2002, it has been easier for an owner of a short leasehold property to extend the term of the existing lease, if he/she has owned the property for two or more years Few lenders have identified and responded to this niche lending opportunity; those that have done so, consider the location of the property and the status of the freeholder to be important factors in the mortgage application process Quality estate agents and valuers, experienced solicitors and enlightened independent mortgage advisers will all have significant roles to play in this business arena Financing the Extension of a Short Lease A freeholder will require a monetary consideration in order to extend a lease and there are, essentially, three options for making that payment: Pay the premium to the freeholder out of ones own financial resources Apply to ones existing lender for a further advance in addition to the existing mortgage Apply to another lender for a re-mortgage to pay off ones existing borrowing and raise the additional amount required to pay the freeholder A lending institution will value the property on the bases of its current short lease and also the future increased lease term...

Fantasy Income

On Feb 25, 2015 0 104 52

As Einstein said, everything in life is relative, and ones income is no exception. While the vast majority of the world lives with an income that is below poverty level (eating only one small meal a day), there are others who make up the jet set and fly first class across the planet to share dinner with a friend...

Federal Reserve's Balancing Act Creates Unique Situattion

On Feb 25, 2015 0 104 52

Tampa, Florida, February 21, 2006 - The Federal Reserve's consistent increasing of rates since June 2004, and recent statements by new Federal Reserve Chairman Ben Bernanke, have created a unique opportunity for consumers...

Fed Hikes Interest Rates Again

On Feb 25, 2015 0 104 52

On November 1, 2005, the Federal Reserve Bank [Fed] raised interest rates one quarter of a percentage point. Since Summer 2004, outgoing Fed Chairman Alan Greenspan has been raising interest rates on a regular basis since hitting its low point of just 1%...



Financial Options After One Has Declared Bankruptcy

On Feb 25, 2015 0 104 52

Bankruptcy is a financial option for those individuals whose debt has run away from them. It is not that hard to experience debt issues and individuals have had to declare bankruptcy in order to dig themselves out of the surmounting debt...

Financial Terminology: Jargon Buster A - E

On Feb 25, 2015 0 104 52

A 1. Account holder The person who has a personal loan account. 2. Advance The mortgage loan itself is called the advance. 3. APR (Annual Percentage Rate) An interest rate designed to show you the total annual cost of getting credit...

Finding Long Term Care Facilities In Missouri

On Feb 25, 2015 0 104 52

When looking for long term care facility for a loved one in Missouri, there are a few questions you should ask yourself and a few things to be aware of: What type of facility do I need?: There are several types of facilities, be sure to select one that will meet the needs of your loved one...

Finding Lost And Unclaimed Superannuation.

On Feb 25, 2015 0 104 52

Thousands upon thousands of Australian employees and employers have billons of dollars in unclaimed or lost (superannuation) Super. So how do you know if you are one of the 4.3 million Australian with unclaimed or lost Superannuation, who have every right to claim this pool of almost 4...

First Time Buyers - Working Your Way Up The Property Ladder

On Feb 25, 2015 0 104 52

Youve moved in, youre paying your mortgage; youre ready to finally breathe outCongratulations! You are now a homeowner, and should be enjoying the change. Now youre firmly on the property ladder, you can start to make the most of your new status...

First Time Buyers Beware

On Feb 25, 2015 0 104 52

Although its a big undertaking, buying your own home is one of the wisest moves you can make. Rather than pouring money away on rent, you will effectively be investing in your property with every mortgage payment...

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