Mortgage articles
Showing page 16 of 23 - There are 669 Mortgage articles
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- 2007-11-13 22:16:19 - How to get a mortgage if youre self-employed
- If you are self-employed, work on a contract basis, or have an income that is irregular or comes from multiple sources, it will generally be harder for you to get a mortgage than it is for someone who is an employee and can easily prove their income.A self-employed person is someone who runs their own business and works for themselves without an employer. Directors of small limited companie...
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- 2007-11-13 22:16:19 - Mortgage basics for first time home buyers
- Anyone planning to take out a mortgage for the first time will most likely find the job a little daunting, not least because the financial jargon can often be very difficult to make sense of. As with any major financial decision, it is essential to fully understand every aspect of a mortgage plan before making a commitment. It's also vital to simply do the math, to calculate exactly how much each ...
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- 2007-11-13 22:16:19 - How a commercial mortgage can help your business
- A commercial mortgage or commercial remortgage is a business loan which is secured against a commercial property.Commercial mortgages are often used to buy business premises, such as offices, shops, restaurants, or pubs.But they can also be used to buy other business assets such as plant or machinery.As well as being a useful way of financing the purchase of business premises ...
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- 2007-11-13 22:16:19 - What is a remortgage?
- A remortgage is changing your mortgage without moving your home. Remortgaging is the process of switching your mortgage to another lender that is offering a better deal than your current lender thereby saving money. A remortgage can also be used to raise additional finances by releasing equity in your property.More detailed information....When you remortgage you are ending your old m...
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- 2007-11-13 22:16:19 - Home mortgage interest rates: how to compare
- Whether you are looking to purchase your first home, sell your current home and purchase a new one, or you are wondering whether or not you should refinance your existing mortgage, it is beneficial to compare current home mortgage interest rates from several companies to be sure you get the best deal possible. They can be researched very easily online, and you can tailor your search to give you ac...
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- 2007-11-13 22:16:19 - Bad credit? qualify yourself for a zero down mortgage loan
- I decided to write this article today after closing a home purchase loan for a couple that had some major credit issues. They got into the house with ZERO down payment, and only had to bring $600 for the closing costs. Their situation was pretty bad, I'm talking about a bankruptcy 2 years ago, thousands of dollars in outstanding collections, charge-offs and debt to income ratio of 49%. By the way,...
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- 2007-11-13 22:16:19 - The power of a home equity loan to pay down debt
- Households across the country are finding themselves in a similar situation. They lack the financial funds to make the necessary changes to their home and need to find a way to fund upgrades and eliminate debt. A popular way of financing these changes without killing themselves is by taking a home equity loan to pay down their debt.The Home Equity Loan has become a fast-track way of paying ...
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- 2007-11-13 22:16:19 - Internet & mortgage calculations
- "You've been approved!" The words you have always wanted to hear when you filled out the home loan application. It swirls through your mind the opportunities and memories you will cherish in your new home. Before you even start shopping for a home it is best to understand in real terms what you can afford. Your income level may make it tight for you every month to make the mortgage payme...
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- 2007-11-13 22:16:19 - Reverse mortgages learn the facts first!
- Reverse Mortgages, Most Common Features:Many offer special appeal to older adults because the loan advances, which are not taxable, generally do not affect Social Security or Medicare benefits.Depending on the plan, reverse mortgages generally allow homeowners to retain title to their homes until they permanently move, sell their home, die, or reach the end of a pre-selected l...
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- 2007-11-13 22:16:19 - Home loan applications made easy
- You have finally found the home of your dreams. You have searched all over and are ready to purchase it. Before you even make your offer you should seek out the financing first. In some cases, it is easier to have a pre-approval in hand before making any financial commitment through a contract. Why get your hopes up after you purchase the home when you can buy with assurance and wait by the settle...
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- 2007-11-13 22:16:19 - Refinancing your home - how and why?
- Chances are you may need a little extra money to get some work done around the home or perhaps your current interest rate is 7.5% and the prime interest rate is 6.0% there is a benefit to restart the clock on an existing mortgage and save thousands of dollars over the life of the loan. The first thing you must realize is that refinancing your home can also be tax deductible, meaning that you will ...
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- 2007-11-13 22:16:19 - Student home purchase plan
- Tuition costs are climbing, housing costs are climbing, it seems like all the costs for students are climbing these days. Students can afford cost increases less than any other demographic in Canada. Because of this, parents and students alike are looking for new ways to offset the costs of education.Student loans can be used to defer these costs to some extent, but they need to be repaid a...
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- 2007-11-13 22:16:19 - Mortgage prepayment penalties - just say no
- One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan, then the borrower will be responsible for paying an additional amount of money, typically about six months interest on 80% of the mortgage balance. Sub-prime market loans will typically carry prepaym...
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- 2007-11-13 22:16:19 - The zero down 80/20 mortgage
- This is an excellent loan for those that are lacking the down payment required for other types of mortgages.The 80 20 mortgage is simply two loans for 100% of the purchase price. It is a first mortgage at 80% of the purchase price with a 20% second mortgage.If you are a conforming borrower, doing your loan in this manner will save you from having to pay mortgage insurance. Mortgage i...
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- 2007-11-13 22:16:19 - Reasons to get a home equity loan
- Using a home equity loan really depends on what your needs, wants and desires are that prompt you to take the home equity loan in the first place.The most common reason people obtain the loan is for debt consolidation however other uses include home improvements, educational expenses, unexpected family emergencies, medical expenses and in some cases for big ticket purchases.As expect...
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- 2007-11-13 22:16:19 - Types of home equity loans
- There are at least two types of home equity loans.The first is a term or closed end loan and the second is basically a line of credit. Most people prefer to refer to them as a second mortgage because they are secured against your home much like your first home loan or mortgage. Typically these types of home equity loans usually have a payback life of between 5 and 15 years.The term l...
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- 2007-11-13 22:16:19 - Free home equity loan information
- Home equity loan information can sometimes be confusing and misleading. I have written this article to properly explain home equity loans. Basically equity is the difference between your home's appraised -- or fair market value and the outstanding mortgage balance you owe on your home. Borrowing against the equity built up in a home has become extremely popular.If you're wondering why this ...
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- 2007-11-13 22:16:19 - Understanding uk bridging finance
- Bridging finance, also referred to as "bridge loans" and "bridging loans", have nothing at all to do with re-constructing the London Bridge. Bridging finance is typically a short-term loan that a business uses to supply cash for a real estate transaction until permanent financing can be arranged. The word "bridge" conveys the fact that the loan is designed to get you over a temporary obstacle....
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- 2007-11-13 22:16:19 - Understanding a uk commercial mortgage
- In many ways a commercial mortgage is just like a residential mortgage in that you pledge real property as collateral against a loan to either buy or refinance that property. You can also receive a commercial re-mortgage and use it as a line of credit for any business purpose.When you use a commercial mortgage to buy property, or to raise funds for any other business purpose, the lender ret...
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- 2007-11-13 22:16:19 - Housing bill - changes in the right to buy scheme
- Presently council tenants are able to purchase their rented property after 2 years of tenancy. However, this is about to change. As of the 18th January 2005, the new Housing Bill becomes law and the current 2 years will change to a period of 5 years. This means, that once the proposals come into force, any new council tenant will have to wait 5 years before having the option of buying their proper...
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- 2007-11-13 22:16:19 - A new choice for home financing: correspondent lenders
- When you begin your search for a new home loan, one of the first things to consider is where you'll get the money. Your basic choices will be mortgage brokers and banks.Your first instinct may be to go with your local bank, who you know from doing business with them for other things, such as your checking and saving accounts. But you've probably also heard that mortgage brokers can get you ...
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- 2007-11-13 22:16:19 - Total cost of credit vs monthly payments
- I read a press release the other day which points to the fact we need to be very careful with our finances. The subject of the release was home mortgages. A company was announcing the availability of 40 year mortgages for its customers. The stated purpose was to lower the monthly payments to make buying a home more affordable.Whenever I hear the phrase "more affordable", I...
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- 2007-11-13 22:16:19 - How good a deal is your banks mortgage insurance plan?
- When you go to the bank to get a mortgage, you'll inevitably be asked to take out mortgage insurance. The idea behind mortgage insurance is simply that if something happens to you or your spouse then your loan will be paid off which is good news for your family and the bank. Most financial institutions act like they are doing you a favor by offering you mortgage insurance through their own group p...
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- 2007-11-13 22:16:19 - Bankers dont want you to know that you pay for your no cost home loan forever
- With mortgage rates continuing on a downward trend, the competition in the business is fierce. A day never passes that I don't hear some crazy advertisement about a new loan program that XYZ mortgage company has and no one else offers. One of the oldest programs remains steadfast in both its high profile and its duplicity. This program is the No Cost Home Loan -- the one bankers say is free, but y...
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- 2007-11-13 22:16:19 - Are biweekly mortgages really worthwhile?
- You may have heard people, especially mortgage lenders, extolling the virtues of biweekly payments, saying that you can save thousands of dollars and take 5-7 years off your mortgage--and then offering to set up a biweekly plan for you for as little as $400. But you don't have to spend $400 to begin saving money and time on your mortgage. In fact, you don't have to spend anything at all! You can s...
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- 2007-11-13 22:16:19 - Selling your business note
- Before I go further, let me ask a question- if you won the lottery tomorrow, would you take the payout in a lump sum or in monthly payments?Most people would take a lump sum because even though it might be less than the total prize, they would have control over a large sum of money now and could let the time value of money go to work and increase their winnings.So why then would you opt to ...
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- 2007-11-13 22:16:19 - A guide to finding the cheapest home improvement loan
- To find the cheapest home improvement loan that you can, you need to realize that there are a lot of factors that can affect the amount that you pay.The equity that you have in your home or real estate is a major piece, but other factors that are considered are your credit history, national and local interest rates, the amount you want to borrow, and even the types of repairs or improvement...
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- 2007-11-13 22:16:19 - Finding the best home improvement loan rate
- If you're looking for a good home improvement loan rate, you might have to take your time and shop around a little bit.The home improvement loan rate that you get can depend on several factors? your credit history, the amount of the loan you're requesting, national interest rates, and even the equity of your house or real estate.Taking the time to shop around, though, can pay off in ...
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- 2007-11-13 22:16:19 - Home mortgages: should you apply now?
- If you're thinking about applying for a new mortgage or refinancing your current mortgage, you might want to take action now.In its survey this week (the week of Aug. 1), Freddie Mac, the corporation that finances many of the country's mortgages, reported that rates on 30-year, fixed-rate mortgages rose to a nationwide average of 5.82 percent. This represents the fifth week in a row that th...
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- 2007-11-13 22:16:19 - Reverse mortgage maximization
- Have your home's appreciation grow twice as fast.For Seniors over the age of 62 a Reverse Mortgage is a tool that, while new to many, is increasingly being used to maximize their retirement income. A Reverse Mortgage frees up large amounts of equity to be used in investment vehicles, insurance policies, and savings plans that add to the safety and enjoyment of many seniors' lives.Whe...
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