Mortgage articles
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- 2007-11-13 22:16:19 - Home mortgage loan information - which type of home loan is best for you?
- If you are considering buying a home, then you may be more than a little confused by all of the terms you hear about home loans. After all, lenders throw around words like fixed rate, balloon mortgages and adjustable rate mortgages without a thought. But if you aren't at least familiar with the basics-those terms can be pretty confusing!Here's a basic guide to the three most common types of...
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- 2007-11-13 22:16:19 - Buying a house? how much home can you afford?
- Maybe you've heard the expert advice that your debt to income ratio shouldn't be more than 36 percent of your total income. But do you truly know what that means, and how lenders will look at your financial history in order to decide whether or not to extend you a mortgage? If you need help figuring out your debt to income ratio, simply follow the guidelines below and soon you'll know whether or n...
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- 2007-11-13 22:16:19 - New home loan - 3 tips to speed up the mortgage loan approval process
- Imagine this: you've found the perfect house, and feel lucky because the interest rates happen to be at an all time low. So you submit your mortgage loan application, and then?wait. The next week, interest rates go up a point, but you're still waiting. Another point would mean a significant amount in the monthly payment you will pay, and you groan when you open the newspaper and find that indeed i...
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- 2007-11-13 22:16:19 - Buying a new home ? home buying tips
- If you in the process of looking for your first home, there are some essential steps that you should be aware of. Many times, people fall in love with a home and rush into the deal-not considering some important issues. Unfortunately, many of those people end up unhappy with their purchase or end up with a deal gone bad.Avoid this by following the suggestions below and ensuring that you hav...
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- 2007-11-13 22:16:19 - Short-term interest rates on the rise; adjustable rate mortgage holders prepare for increase in rate
- Interest rates are on the rise and many home owners who have adjustable rate mortgages may see increases in their forthcoming annual adjustments.Federal Reserve Chairman Alan Greenspan made it clear in 2004 that the Federal Reserve would be increasing short-term interest rates at a "measured pace." With the US Dollar at its weakest point in seven years, oil prices unstable and the...
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- 2007-11-13 22:16:19 - The right home loan - floating or fixed rate loan
- Choosing a home loan has never been tougher. Yes, with all these cheap interest rates floating around, you as a customer are faced with a happy predicament. The banker finally seems to be your friend. He calls you in the morning, day and evening. He remembers your name and offers you the best deal. He meets you and tries to convince you to take a loan to buy your dream home. And in cash if you hav...
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- 2007-11-13 22:16:19 - Apply for home mortgage loan online with bad credit - things to consider
- So, you've found the perfect home. You've already decided where to place each piece of your furniture inside the home, and in your mind, all of your family photographs are hanging alongside the stairwell. But wait-do you know that even if you believe that your credit report is spotless, it could negatively affect your chances of getting that home mortgage approval?The credit bureaus handle ...
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- 2007-11-13 22:16:19 - Choosing the right buy-to-let mortgage
- Buy-to-let took off during the 1990s with the increasing availability of specialist mortgages tailored towards the sector.For most people investing in buy-to-let schemes, mortgages are a vital component for funding the investment. We consider some important issues to help you choose your mortgage.Do not borrow more than you can affordIt is important not to overstretch yourself...
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- 2007-11-13 22:16:19 - Home loans: to substantiate financial possibilities on your land
- Availability of Home loans is in full bloom. They are uncomplicated, tenable, easily available, very flexible and tailor-made for homeowners. They are offered by almost every loan lending or financial institution. Home loans are like omnipresent and yet encountering the requisite home loan is like a Gordian knot. Sometimes innumerable alternatives have the obvious effect of leaving you irresolute ...
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- 2007-11-13 22:16:19 - Home improvements turn average homes into dreams come true
- If you're thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvement loan. Here are some factors to take into consideration.? How long have you been in the home?? Will the improvements increase the property value?? Are you making improvements to increase en...
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- 2007-11-13 22:16:19 - No fee mortgages coming soon
- Buying a home, especially for the first time, can be a daunting experience. There are endless credit checks, bank checks, employment checks, appraisals and more paperwork than seems to make sense. Adding to the angst associated with buying a home is the endless list of fees that are added to the cost of the mortgage. In addition to the interest rate quoted for the loan itself, lenders add other it...
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- 2007-11-13 22:16:19 - 40-year mortgages: an alternative to interest-only loans?
- Interest-only loans are quickly becoming a mainstream loan product. Borrowers who were initially turned-off by the perceived risk associated with an "interest-only" loan are now starting to see the benefits: Lower payments, less money tied up in equity, more flexibility, etc.For the savvy borrower, an "interest-only" loan can be an important component to an overall finan...
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- 2007-11-13 22:16:19 - Thought fixed rate will give you a respite from the perils of variable rates! think again
- Slight increases in the interest rates raise your hackles. Tension grips your mind as to how you are going to make the extra payment. Preparations begin right then to provide for the repayment, though it requires a huge cut in the monthly expenses.Cautious is what describes your state. A fixed rate mortgage will be the solution to the stress that they are facing as to the repayment.A...
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- 2007-11-13 22:16:19 - I have a slice of the american dream and it is a 30 year nightmare
- Well, we did it. We are buying a beautiful, brand new house, planning our wedding, and getting ready to move. The cramped trailer we have lived in will just be a memory. The house we are buying is a 4 bedroom, 2 1/2 bath, 2 car garage slice of the American Dream.However, my fiance and I sigh and realize it is a 30 year nightmare we will be paying on for a long time before it is truly ours. ...
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- 2007-11-13 22:16:19 - Home equity ? is it time to cash out and move?
- During the last five years, home prices have increased nationwide. In some parts of the country, notably California, home prices have doubled or even tripled. The median price of a home in the Los Angeles area is now nearly $450,000 and in the San Francisco area, the price is approaching $600,000. As the economy continues to improve, the price of housing continues to rise in California and elsewhe...
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- 2007-11-13 22:16:19 - Making sense of mortgage speak
- Applying for a home loan can be overwhelming. You will need to contend with mountains of papers, contracts, documents; and do lots of planning and coordination. Add to that a whole language unique to the mortgage loan process and you have the makings of an experience unlike any other.Agreeing to the terms of your home loan is no small matter. It is important to understand every word of the ...
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- 2007-11-13 22:16:19 - Mortgage ? what, why, when, and how?
- What is a mortgage? Here's what The New Merriam ? Webster Dictionary definition is: "a transfer of rights to a piece of property usu. as security for the payment of a loan or debt that becomes void when the debt is paid." That's as plain and simple as it gets, you pledge the property that you're buying to the lender until your home loan is paid off then the mortgage ...
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- 2007-11-13 22:16:19 - Interest-only mortgages have their pitfalls
- Rising home prices, particularly on the East and West coasts have put the costs of home ownership seemingly beyond the reach of many. And yet, home ownership is up nationwide, and the percentage of Americans who own their homes is the highest it has ever been. How is this possible?There are more different types of mortgages available to home buyers than ever before, and one that is growing ...
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- 2007-11-13 22:16:19 - Change in texas law may make reverse mortgages more popular
- Texas was one of the last states to allow homeowners to take out home equity loans. Laws going back to the nineteenth century strictly prohibited home equity lending, as legislators feared that unscrupulous lenders would take advantage of homeowners for the purpose of seizing their homes through foreclosure. This made it impossible for citizens of the Lone Star State to use their equity for home i...
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- 2007-11-13 22:16:19 - How to use a home equity line of credit calculator
- Most home owners know that the lower the interest rate, the lower the monthly payments. But then the process may get a bit fuzzy. While your monthly payments may be the same every month, you are not applying the same amount to the principal of the loan. Your amortization will vary month to month. So, you will have to use a little math to determine how much equity you are actually gaining. Are you ...
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- 2007-11-13 22:16:19 - Home equity loans company ? 7 key questions to help you choose one
- Choosing the right home equity loan can be tricky; you have to consider interest rates and repayment schedules, among others. Choosing the right lender, however, does not have to be a difficult task. If you ask the right questions, you can pick the best lender for your needs. The following is a list of seven essential questions that you should ask any potential lender.1. What are the terms?...
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- 2007-11-13 22:16:19 - Online home equity loans: a basic glossary
- Home equity loans can be a great idea for individuals looking to get out of debt or make necessary repairs on their homes. During the process, you will come across a variety of terms and acronyms. We have gathered together some of the basic terms that you come across during your home equity loan. If you have any questions about any of these terms, make sure to consult with your mortgage lender....
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- 2007-11-13 22:16:19 - Stock market, bonds, deposit account, cash, equities, unit trusts - few, just few of the ways of sav
- Man has been known for continually simplifying things in his own interest. First he devised mortgages then several sub categories under it like buy to let mortgage, council right to buy, reverse mortgage. Then we devised remortgage. Then as the intricacies increased and the payment of interest and the loan amount became difficult, he devised interest only mortgage. Interest only mortgage is a very...
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- 2007-11-13 22:16:19 - Mortgage glossary of terms
- A brief list of some of the most common Mortgage terms.Adverse Credit The term used if the borrower has a poor credit history. This could include previous mortgage or loan arrears, bankruptcy or CCJ's. Other terms used to describe an adverse credit mortgage include: Bad credit mortgagePoor credit mortgageNon status mortgage ...
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- 2007-11-13 22:16:19 - Bad credit home loans - pre-approval is still possible with adverse credit history
- If you are among the millions with less than perfect credit, there are many sources available to you in obtaining a mortgage. Lenders that specialize in mortgages for those with bad credit are competing for your business. The lender will analyze your credit report, credit score, debt-to-income ratio, and your employment history. You may also be asked to provide statements from your utility compani...
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- 2007-11-13 22:16:19 - Refinancing your home mortgage - get up to 125% cash from your homes value
- With the low interest rates being offered by lenders today, now can be the perfect time to refinance your existing mortgage. Remember that you do not have to refinance your home through the same lender that provided your initial mortgage. Lending institutions are offering competitive terms and rates, with some lenders offering home loans up to 125% of the value of your home. Compare your current i...
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- 2007-11-13 22:16:19 - Home equity line of credit - finding the best home equity lender
- Borrowing against the value of your home using a revolving credit account is known as a home equity line of credit. Lenders offer home equity lines of credit in several ways with either fixed or variable interest rates. Information on obtaining a home equity line of credit is available to you from many sources, including online lenders. Make sure you compare loan products and lenders, and review t...
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- 2007-11-13 22:16:19 - Home loan lenders - finding the best home mortgage lender
- The process of obtaining a mortgage or home loan can be very stressful and quite time consuming. Finding the best lender for your situation requires research and comparisons between lenders and loan packages. You may be searching for a first time home loan or to refinance your existing mortgage. Compare lenders carefully and find the best possible terms available to you.If you have poor cre...
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- 2007-11-13 22:16:19 - Low home mortgage interest rate - finding the best mortgage rate
- Interest rates are at an all time low, making now the perfect time to purchase a new home or refinance your existing mortgage. The interest rate you receive will depend largely on your credit rating, monthly debt, and your income. Mortgage loans are typically 15 to 30 years in length and will either have a fixed or variable interest rate.Before you apply for a mortgage it's a good idea to c...
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- 2007-11-13 22:16:19 - Bad credit? with poor credit you can still refinance or get a home equity line of credit
- Have you decided to refinance your home or apply for a home equity line of credit but worry about your credit rating? Even with poor credit it is possible to refinance your existing mortgage or obtain a home equity line of credit. New practices in the lending industry have made it easier than ever for you to refinance your mortgage or get a home equity line of credit. If you have adverse credit, s...
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