Mortgage articles
Showing page 15 of 23 - There are 669 Mortgage articles
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- 2007-11-13 22:16:19 - Mortgage-refinance loan measurment 101 -- evaluate your own ability to pay
- We live in a society where people are losing their homes at an alarmingly high rate. There are several reasons for this, but one could certainly be avoided -- buying a house that creates a loan that is too large for you to handle. This article will examine how to decide your loan size -- whether you are purchasing or refinancing. We'll look at this issue from the point of view of lenders and from ...
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- 2007-11-13 22:16:19 - Mortgage-refinance loan can put cash in your pocket
- Do you need cash? Here's a mortgage for you. If you are not in a good position to take an equity line of credit on your home, because you have not built enough equity or a poor credit situation is making bankers steer clear of you, altogether, there is another option -- the cashout refinance. This loan does what the equity line does in most cases, but it is not an interest-only loan, and it has co...
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- 2007-11-13 22:16:19 - Some mortgage loans are available with absolutely no money needed from you
- Today, FHA will loan up to 97 percent of the purchase price of a home, meaning a borrower only needs 3 percent. The three percent down payment can come in the form of a gift, and closing costs can be financed into the loan, making this a true no money out of pocket purchase transaction.Now, you may be thinking, I don't have anyone to gift me the money for a down payment, so what good does t...
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- 2007-11-13 22:16:19 - For mortgage-refinance help, get the best mortgage professional, not a bank loan officer
- When you need a mortgage -- either because you are buying, refinancing, taking out equity or getting into investment real estate, you need a good mortgage professional. Now, you may be tempted to go to your local savings and loan, as they may promise lower fees or zero costs. Meanwhile, in virtually every case, banks can't compete with mortgage professionals on the two most important things -- int...
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- 2007-11-13 22:16:19 - Foreclosure scams to be aware of
- Homeowners facing foreclosure should be aware of unscrupulous lenders and scammers. Don't get me wrong, most lenders and agencies are reputable and legit. However some lenders, commonly second mortgage issuers will use unethical practices that increase the risk of nonpayment by the borrower. These tactics may include lending a large amount in hopes that the borrower will not be able to keep up wit...
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- 2007-11-13 22:16:19 - Sell your home and invest at the same time
- I continue to see the same For Sale signs in my neighborhood. The houses just aren't selling. If you are considering selling or have a home on the market that is not moving, it's time to think about financing the sale yourself. A good friend of mine bought a new home three months ago, and he has watched his old house sit unsold, while he's struggled paying two mortgages. I finally convinced him to...
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- 2007-11-13 22:16:19 - Buying a home? dont get saddled with two mortgage payments
- I have a lot of friends and family who are currently buying houses. Many of them have had a problem with timing. In other words, they buy a house and sign a contract that says that they have to pay the seller in 30 days. (Incidentally, it's never wise to go less than 45 days.) Now, it takes two to three weeks to sell their house, and they sign a 30-45 day contract, so they don't get their money in...
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- 2007-11-13 22:16:19 - Real estate finance strategy that few people consider
- If you are considering a new home loan anytime soon, and you do not want to get an adjustable rate mortgage (remember, ARMs are very strong loans), you should consider a 2/1 buydown.This is a great mortgage program for people who require a smaller payment now, knowing that they will have more money in the following years.Here's how it works.You pay an additional premium on you...
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- 2007-11-13 22:16:19 - 5 things in selecting the best mortgage - you should know
- Your goal is not only to find the best rates and programs, by searching through a huge number of lenders products, and save yourself thousands of dollars on mortgage payments every year, but also, to save time and hassle by simplifying the loan process and reducing the paperwork. Here are some things you can keep in mind when selecting a mortgage provider.1. Shop For RatesYou should ...
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- 2007-11-13 22:16:19 - Private mortgage insurance (pmi)
- If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain private mortgage insurance, known as PMI, with your lender. This will enable you to obtain a mortgage with a lower down payment because your lender is now protected against any default on the loan.PMI charges vary depending on the size of the down payment and the loan, but they typic...
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- 2007-11-13 22:16:19 - Alternative options for rising interest rates
- As interest rates have risen in the last six weeks from record lows, homeowners are once again face with finding viable options to reduce the amount of interest paid on their home loans. The rush to refinance provided borrowers with good to excellent credit the opportunity to take advantage of low interest rates, that helped to reduce their monthly mortgage payments, which was the only benefit pro...
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- 2007-11-13 22:16:19 - Mortgage: for those twilight years
- Tracing back, the concept of reverse mortgages began when one good soul, Nelson Haynes of Deering Savings and Loans wanted to help out the widow of his high school football coach. Today that small act has developed into a popular financing option for the senior citizens. With about 6,000 people turning 62 every day, the market is on an upswing.2004 witnessed a growing number of applications...
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- 2007-11-13 22:16:19 - Online mortgages in 5 easy steps!
- We're all entitled to the opportunities and benefits of home ownership. But because most of us aren't loaded with cash, we must find banks and lenders to assist us with finance. No matter what your credit history is, or what your circumstances are, the internet has now made this process a billion times easier. This article will outline a 5 point plan, to assist you in your pursuit of financing onl...
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- 2007-11-13 22:16:19 - Top 10 things to consider on home loans
- Here are our Top 10 most important things to consider when shopping for a Home Loan, Equity Line of Credit, or Refinance, courtesy of Loans-Directory.Org:Down-PaymentFixed Versus Adjustable RateAPRLoan TypesLoan Amount Qualification, IncomeLoan Amount Qualification, ExpensesEmployment and Credit HistoryP...
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- 2007-11-13 22:16:19 - Is an arm right for you?
- Let's start by taking a look at 7 key elements of an adjustable rate mortgage:1) ARM defined: While a fixed rate loan is constant and never changes throughout the life of the loan, an adjustable rate mortgage changes periodically. The interest rate of an ARM goes up and down based on whatever external index it is tied to. Add the lender's "margin" to that, and you've got the rate....
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- 2007-11-13 22:16:19 - Little known secret: eliminate your mortgage in 23 years or less!
- Wanna know a little secret? There is an ingenious method you can use, to pay off your 30 year fixed rate loan, in 23 years or less. It's straightforward, simple, and easy to understand. In this article, we're going to explore this little known secret, and we'll provide several examples of how it works, a few methods on how to implement, along with some information on where to go and how to get sta...
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- 2007-11-13 22:16:19 - Mortgage free in 15 years!
- Imagine paying your mortgage off in 15 years! Think of all the great things you could do with that extra money. What would you do? Retire early? Buy an R.V.? Travel around the world? If you could eliminate your mortgage in half the time, then your options would be wide open.Let's take a look at 3 benefits and 3 considerations when evaluating whether or not the 15 year fixed rate mortgage, i...
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- 2007-11-13 22:16:19 - Be prepared with your home equity loan checklist
- A home equity loan can be an excellent way to obtain money in order to pay off high interest bills or consolidate your current debt into one monthly payment. A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a consumer's largest asset, many homeowners use their credit lines only for major items such as education, ho...
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- 2007-11-13 22:16:19 - How to save money on your mortgage
- Obtaining a home loan is arguably the most expensive transaction you'll experience in your lifetime. Therefore, getting the best home at the greatest value is an endeavor worth pursuing. Whether you're trying to squeeze in to a higher priced home or just trying to shave a couple bucks off of the closing costs, this article will help you explore your options.Here's a list of our top 7 things...
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- 2007-11-13 22:16:19 - Preventing foreclosure proceedings and understanding your options
- Every year over 8 million homeowners are seeking help preventing foreclosure proceedings. This is a stunning 30 year high. Experts project that by 2006, 12 million homeowners will be teetering on the brink of foreclosure. Many homeowners are not aware that they can prevent foreclosure and save their house. Did you know that you can stop the proceedings up to an hour before the auction takes place?...
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- 2007-11-13 22:16:19 - Obtaining a home equity loan online
- Private lenders, banks, and mortgage companies are all setting up shop on the internet, and all make it possible to obtain a home equity loan online. Competition between lenders is stiff, so be sure to check a few companies that offer applications about their rates, products, and customer service.A mortgage site that provides a home equity loans will also give more detailed information for ...
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- 2007-11-13 22:16:19 - Using a home mortgage calculator
- There are a variety of tools online that you can use to determine how much you can afford to pay for a home, how much the monthly payment will be based on the sale price of a home, and calculators to tell you whether it is better to rent or buy based on your personal situation. Using a home mortgage calculator online doesn't cost any money, and can be an extremely useful tool in your preparation a...
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- 2007-11-13 22:16:19 - 10 things to look for in a home-equity line of credit
- If you are a homeowner, you've probably received offers to apply for a home equity line of credit (HELOC). Handled with care, home equity credit lines can be an excellent way to improve financial flexibility, provide readily available cash reserves for emergencies, or pay for large expenses (like college tuition or home improvements) that have irregular payment schedules. But be aware that not all...
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- 2007-11-13 22:16:19 - Decision time: home equity loan or home equity line of credit?
- Home equity loans and home equity lines of credit continue to grow in popularity. According to the Consumer Bankers Association, during 2003 combined home equity line and loan portfolios grew 29%, following a torrid 31% growth rate in 2002. With so many people deciding to cash in on their home's equity value, it seems sensible to review the factors that should be weighed in choosing between out a ...
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- 2007-11-13 22:16:19 - 5 tips for savvy use of your home equity line of credit
- Tapping your home's equity to pay college expenses, consolidate credit card debt or even to buy a new car or boat is common place. Many economists attribute the additional buying power afforded consumers through home equity debt as a primary reason the nation's economy has been able to emerge from the recent recession. Yet, aside from simply allowing consumers to spendmore, the flexibility and eff...
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- 2007-11-13 22:16:19 - Applying for a home loan
- Applying for a home loan may not be the most exciting way to spend your time, but if you are like many potential homeowners, it is probably a necessary evil. If you have some knowledge of the process ahead of time, however, it will go much more smoothly.Home loan applications tend to be very long, but if you are prepared ahead of time you can finish the application procedure without breakin...
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- 2007-11-13 22:16:19 - Mortgage debt elimination
- The prospect of mortgage debt elimination is something that many Americans are dealing with today. If you are concerned about your current debt situation, constantly trying to eliminate debt from your life, you are not alone.In fact, over half of all American households have trouble meeting their minimum monthly obligations, driving them further and further into debt.Mortgage loans w...
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- 2007-11-13 22:16:19 - Mortgage debt elimination in 5 to 7 years!
- Mortgage Debt Elimination shows that most home loan debts will be secured. Secured debts usually are tied to an asset, like your house for a mortgage. If you stop making payments, lenders can foreclose on your house.Unsecured debts are not tied to any asset, and include most credit card debt, bills for medical care, signature loans, and debts for other types of services.If you fall b...
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- 2007-11-13 22:16:19 - Understanding mortgage basics
- As common as mortgages are, there are a surprisingly large number of us who are under false impressions about the way they function, and what they actually are. For one thing, though we do commonly call mortgages "home loans," this is not at all what they actually are. In fact, mortgages aren't loans at all, nor are they something that have been given to you by lenders. More accurately, ...
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- 2007-11-13 22:16:19 - Understand a real estate appraisal
- Happy New Year. Make a difference this year. "Pay it forward" as in the movie. If you haven't seen it, WOW, do.If you buy a house or refinance one, through a lender, you will have to have an appraisal. The reason it is required is FHA insures the loan, VA quarantees the loan and conventional loans are federally related. The easiest way to explain the process is from the beginning.The...
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