Mortgage articles
Showing page 21 of 23 - There are 669 Mortgage articles
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- 2007-11-13 22:16:19 - How to buy a home without a down payment
- Mortgage rates are rising and it's becoming more difficult for a prospective buyer to save up for the necessary down payment. Fortunately, there are ways around this hurdle.Although homebuyers were once required to put down 20% of the purchase price, those times are long gone. Generally, lenders now require 3 to 5 percent down. The problem then becomes how to save up for that 3 percent....
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- 2007-11-13 22:16:19 - Adjustable rate basics
- An adjustable rate loan, most simply stated, means that your interest rate can be adjusted up or down over the months and years. By adjusting the interest rate your monthly payments might also change.In order to make an intelligent choice between a fixed rate and an adjustable rate loan, you have to understand the jargon of the adjustable loan and how it works.For example: Your initi...
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- 2007-11-13 22:16:19 - Va loans, a gift from uncle sam
- Uncle Sam has a gift for the men and women who serve our country. It is the VA loan. The VA loan, short for Department of Veterans Affairs home loans, is available to veterans, active service members, reservists, and members of the Public Health Service. These loans are so popular, that in the past fiscal year alone, Uncle Sam has guaranteed 300,000 VA loans totaling more than $38 billion.W...
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- 2007-11-13 22:16:19 - Ending your private mortgage insurance early
- Private mortgage insurance, or PMI, is the safety net of the lender. PMI benefits lenders because it guarantees payment on the balance of loans not covered by the sale of foreclosed properties.If a borrower makes a down payment of 20% of the cost of the home, the lender can generally trust that he will make his mortgage payments faithfully to protect a large investment. In this case, the le...
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- 2007-11-13 22:16:19 - Some of the available loan types
- There are many mortgage products available on the market today. We can help you find out which one is right for you. Here are the most common options.Fixed Rate Mortgages (FRM's)* Interest rates stay constant for the life of the loan.* Offered in 10, 15, 20, or 30 year terms.* Payments are made up of principal and interest (P & I) portions and escrow portions. The P & I...
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- 2007-11-13 22:16:19 - What length mortgage is right for you?
- You've found the home that is right for you, and now you need to do the same thing for a mortgage. There are several options for people out there, each one designed for a different type of buyer.You need to ask yourself several questions when searching for a mortgage type.1. How long am I planning on being in this home?2. What monthly payment can I afford?3. What type o...
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- 2007-11-13 22:16:19 - What to really expect for closing costs
- Closing on a property is a very challenging time for a would-be homeowner. Being informed, either through your mortgage broker, your real estate agent, or through self knowledge is the best thing you can be when going through this procedure.A good real estate agent can help you tremendously. They should know the local market well enough to help you save money in whatever way they can. Since...
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- 2007-11-13 22:16:19 - Residential mortgages ? a step ahead on the property ladder
- Doesn't Residential mortgage give the impression that they are a different breed of mortgages? They are often thought at the first instance to be a complex term, which they aren't. They are actually the regular mortgages that we hear of so often.Mortgages can be taken by all people whether for living purposes or for the purpose of undertaking business from the premises so acquired. The mort...
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- 2007-11-13 22:16:19 - Your mortgage rate compare and save
- When trying to obtain the best mortgage rate compare offers from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Besides your mortgage rate compare information about the loan amount, loan term, and type of loan from varies lenders and broke...
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- 2007-11-13 22:16:19 - Uk mortages: a guide through the maze
- Types of UK MortgagesYou may be wasting your money with the wrong type of mortgage. Knowledge is power.There are essentially two different types of mortgage:Repayment only, (capital and interest mortgage)Interest only, (ISA, pension or endowment mortgage)Repayment onlyYour monthly repayments consist of repaying the capital amount borrowed together with acc...
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- 2007-11-13 22:16:19 - Bad credit remortgage loan: when bad credit plays mischief with your mortgage
- Financial difficulties are married to bad credit. It is a tough marriage but can be peaceful with a little bit of counseling. The recommended counseling in case you have bad credit with a mortgage loan is bad credit remortgage. Remortgage is defined as replacing the current mortgage lender with a different one. Remortgage in case you have bad credit is very much feasible. You are a homeowner and t...
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- 2007-11-13 22:16:19 - Debt counseling ? healing touch for the ailing finances
- The financial stories remain similar over the months and the years. With debts becoming a nuisance, people make resolutions and resolve to stand by these resolutions. But, once on a spending spree, little do they care for the resolutions that they made with so much efforts. Debts once again begin their run. And so do the resolutions.How many months do you intend to continue this way? With t...
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- 2007-11-13 22:16:19 - Who could benefit from a reverse mortgage?
- What is a "Reverse Mortgage?"Also known as a Home Equity Conversion Mortgage (HECM)a reverse mortgage,is a popular way older homeowners (62+) can convert part of the equity in their homes into tax-free income without having to sell the home, give up title, or take on a new monthly mortgage payments.Before explaining a reverse mortgage, let's review the features of a Standard M...
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- 2007-11-13 22:16:19 - The best way to get the right mortgage
- Are you thinking of buying a home? If so, then there are many things that you need to research first. For example, do you know what a mortgage is and do you know all the details of getting a mortgage? The more you know before you get into it, the easier the whole process will be for you.If you've never owned a home before, you know that securing a mortgage loan can be more nerve wracking th...
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- 2007-11-13 22:16:19 - How much home loan can i afford?
- Have you ever asked yourself how much home loan can I afford? If you know how much of a payment you qualify for before shopping for a home, your purchase will go much smoother and it can save you a lot of headaches.How would you like to find the perfect place to live then not know if you can qualify for the loan? Long before you even start looking for your home, you need to know how much ho...
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- 2007-11-13 22:16:19 - Home loans for people with adverse credit history
- Whether you are planning to purchase a home for the first time or refinance an existing mortgage, plan on comparing lending companies before you accept a financing offer if you have adverse credit history. Sub prime lenders specialize in offering loans to people who have a high-risk credit history. In return for accepting this risk, they charge higher rates and fees.But not all sub prime le...
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- 2007-11-13 22:16:19 - Buying a home after a foreclosure
- Buying a home after a foreclosure is not an impossible task. With some careful planning and some savvy shopping, you can secure a mortgage loan even with a foreclosure in your credit history.Wait At Least Two YearsMortgage lenders focus on the last three years of your credit history when they consider your mortgage application. It is best to wait at least two years after a for...
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- 2007-11-13 22:16:19 - Bad credit refinance loans - finding a good lender
- Finding a good lender to help you with refinancing your home loan can be tricky if you have bad credit. There are plenty of predatory lenders out there who would like to take advantage of you with excessively high interest rates and fees. The key to finding a good lender is to know what are reasonable terms and to compare lending companies.Look At Your Credit RecordCredit reco...
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- 2007-11-13 22:16:19 - Bad credit mortgage lenders - things you should know about subprime lenders
- Interest rates and fees vary between subprime lenders just like regular mortgage lenders. Just because you have bad credit, that doesn't mean you should accept the first financing offer from a subprime lender. Take the time to do your research, and you can make sure you are getting the best deal in terms of interest rates and fees.It's A ServiceSubprime lenders take risks that...
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- 2007-11-13 22:16:19 - Financing a home with bad credit
- Financing a home with bad credit is a common problem for people. Over 25% of homes in the US are financed through sub prime lenders, who offer financing to high-risk borrowers. While sub prime lenders charge higher rates and fees, through comparison shopping you can find a competitive financing offer.Check Your HistoryCheck your credit score to know what type of rates you can ...
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- 2007-11-13 22:16:19 - Buying a home with bad credit - tips on finding the right broker or lender
- You can buy a home with a bad credit record; you just need to find the right mortgage financing package. Before you sign up with the first company that offers you a loan, remember to research offers to be assured you are getting a fair deal.Know Your Credit RatingYour credit score is one of the biggest factors in determining the points you will pay for your loan. People with s...
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- 2007-11-13 22:16:19 - Sub-prime mortgage loans - things you should know about sub-prime mortgages
- Sub-prime mortgages are not that much different from average mortgages. They have interest rates, points, and fees. They can be compared online, and they have seasonal trends. The only real difference is that as a borrower with a less than stellar credit record, you will have to pay a slightly higher rate for the lender's increased risk. What is important is that you prepare yourself with informat...
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- 2007-11-13 22:16:19 - What is a capped mortgage?
- A capped mortgage is a variable rate mortgage with a capped limit beyond which the rate paid will not exceed.Mortgages are available in a number of different interest rate options, one of which is the capped rate.A cap means that there will be a limit to any increase in the variable rates for a selected term. The mortgage rate charged on your account can not exceed this rate. However...
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- 2007-11-13 22:16:19 - What is a self-employed mortgage?
- Self-employed mortgages, as the term implies are mortgages designed for those that are self-employed. Traditionally it's been more difficult for the self-employed to get mortgages.Mortgage lenders preferred to see the regular income guaranteed by employment. However this has changed in recent years. There are now mortgage lenders who specialise in the self-employed market.If you are ...
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- 2007-11-13 22:16:19 - What is a fixed rate mortgage?
- As the term implies, with a fixed rate mortgage the mortgage rate is fixed for a set period of time, so no matter what movements occur in the lender's standard variable mortgage rate, the borrower's arrangement is fixed and, therefore, so are the monthly fixed rate mortgage payments.A fixed rate mortgage would suit someone who likes to know where they stand. A fixed rate mortgage, as sugges...
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- 2007-11-13 22:16:19 - Choosing a mortgage lender
- Just as there are many types of mortgages and mortgage deals to choose from, there are also many sources where you can go to get a mortgage. Your key choices are to use a mortgage broker, a more general financial adviser, or shop around yourself and go direct to the mortgage lender. For many people, choosing a lender means finding a mortgage company offering the lowest APR rate.If you decid...
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- 2007-11-13 22:16:19 - The truth about shopping for mortgage rates
- With so much lender advertising focusing just on rates, you may not be aware of the importance in choosing an experienced, reliable loan professional who can match you with the appropriate loan program. Good loan officers and mortgage brokers may quote today's rate when asked, but they will quickly add they need to know more about you to determine the best program for your individual situation. So...
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- 2007-11-13 22:16:19 - Key an eye on your mortgage payments
- In previous decades, when a borrower missed a payment on a mortgage, the lender would often consider them one month behind until they eventually caught up. Most lenders would impose a late fee and other interest or penalties, tacking them onto the back end of the loan as long as the lender stayed current with the rest of their payments.With the number of bankruptcy filings creeping higher e...
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- 2007-11-13 22:16:19 - Bad credit loans authenticate what is positive about bad credit
- This might not be the front page news but it is now out in the open! 'Bad credit is getting loans ? all kinds of loans'. Lending institutions, banks and other financial constitutions are coming forward to provide loans for bad credit. There is a new rescue programme for people with bad credit - bad credit loans.Millions are earmarked every year for bad credit. It is highly unlikely that you...
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- 2007-11-13 22:16:19 - What is a tracker mortgage?
- A tracker mortgage 'tracks' the Bank of England base rate, meaning your mortgage stays in line with interest rates and the market in general. The result on your monthly mortgage interest payments is that they go up when the base rate goes up and go down when the base rate goes down.A tracker mortgage works in a similar way to a standard variable rate mortgage in that it follows the rate imp...
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