Mortgage Articles

1). Mortgage Refinancing Below 500 FICO By : Tristan Hunt
If you have been turned down for a mortgage refinance, especially a cash out or debt consolidation refinance, because your lender says your credit score is under 500, there are a variety of new options and strategies available which can help you get the cash you need now to pay off your credit card debts, collection accounts, and other derogatory or poor credit accounts and improve your FICO credit score to the point where you can qualify for a low interest, fixed rate loan.
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2). CeMAP Mock Exam Papers By : Joe Kocsis
Are you looking for CeMAP mock exam papers? If you are interested in becoming a mortgage advisor but finding it hard to pass the cemap exams, we can help! Mostly, five-day cemap training courses in London are based on groups of around 10 people for ease of control and ability to interact with the tutor. The courses are extremely focused, intensive and prepare delegates for the CeMAP 1,2,3 exams.
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3). How Escrow Accounts Work By : David Gass
Describes how escrow accounts work and how to best take advantage of them.
Article Related to: escrow, account, loans, credit, financing, agreement, third party, mortgage, real estate, agent, tax

4). Make the Most of Your Mortgage Leads By : Jay
If you are a loan officer or mortgage broker and you invest in mortgage leads, or you are considering investing in mortgage leads, make sure you are making the most of them. A lead provider, if they are a good one, can provide you with a good quality lead, the rest is up to you. The lead provider has no control over what the potential customer might say.
Article Related to: sales, marketing, loan officer, mortgage, leads, telemarketing, skills, training, communication, selling, internet mortgage lead

5). Use A Mortgage Calculator To Guide Your Home Equity Loan Decision By : Gerald Mason
The difference between a home loan and a home equity loan lies mainly in that the home equity loan, also known as a second or even third mortgage, is issued at a higher interest rate. This interest rate is lower than you could expect to pay on a credit card, but it will be still higher than the original interest rate. Use a home equity mortgage calculator to see what releasing different percentages of your equity makes to the payments required.
Article Related to: mortgage, mortgage calculator, home equity loan, property

6). The Need For Mortgage Guarantee Insurance By : David Gass
Explains the importance of mortgage guarantee insurance and how best to find a policy that suits you.
Article Related to: mortgage, insurance, guarantee, homeowner, real estate, payment, security, repayment, loan, credit

7). Investing In Real Estate With No Money Down By : David Gass
Gives strategies for investing in the real estate market without a down payment.
Article Related to: real estate, down payment, mortgage, company, firm, business, tax certificate, lease, option

8). Private Financing And Acquisition Techniques For Real Estate By : David Gass
Explains how to obtain financing for real estate purchases and how to go about finding the right real estate.
Article Related to: real estate, financing, lease, terms, trust, price, mortgage, small business, credit, software, loan

9). Mortgage Terms and Definitions By : Dan Lewis
The mortgage process can be a little confusing if you aren't familiar with the terms used in the process. To help you out, here is a list of terms with corresponding mortgage definitions. Broker: An independent mortgage professional that oversees the entire home loan process. Lender: The business entity providing and funding the home loan. Processor: Prepares your loan for underwriting.
Article Related to: mortgage, mortgage terms, mortgage definitions, fico scores

10). Getting Passed the Gate Keeper By : Jay
We all know the feeling of going out to make our cold calls, only to be shot down by the person at the front desk who looks at us as nothing more than a solicitor. These front desk people would be otherwise known as the gate keepers. Lets face it, getting passed the gate keeper can be tough, we are on their turf, what they say goes. Any slight resistance could end up with them making a call to security.
Article Related to: sales, marketing, loan officer, mortgage, leads, telemarketing, skills, training, communication, selling

11). Refinance & Mortgage Tips: Down Payment From 401k Or 403b Retirement Annuities By : Tristan Hunt
If you are purchasing a home and have a substantial portion of your assets inside of a retirement account such as a 401K, 403B or other retirement product or annuity, you may choose the increasingly popular option of tapping those funds to make a down payment on your new home. Like any other accounts you may have in your name, such as brokerage accounts.
Article Related to: debt consolidation, mortgage, refinance, credit card, home loan, buy house, first time buyer

12). Mortgage & Refinance Tips: Determining Your Income By : Tristan Hunt
When you apply for a refinance, debt consolidation or purchase mortgage, one of the most important factors in qualifying for the loan is your income. That may not seem like much of a surprise, but you may be surprised at all of the different ways your income can be calculated based on how well you can document it, and how much this can affect your loan process.
Article Related to: mortgage, refinance, debt, consolidation, credit card, minimum payment, investor, home loan

13). Paint a Picture With Your Words By : Jay
Paint a Picture With Your Words Depending on what you sell, it is not always easy to get your point across, so it is very important to paint a picture with your words to give your customer a visual of your product, or a visual of themselves using your product. When you are meeting someone face to face, and you can show them your product up close, it is easy for them to get a visual because they are looking at it with their own eye�s, and they can hold it in their own hands.
Article Related to: sales, marketing, loan officer, mortgage, leads, telemarketing, skills, training, communication, selling

14). Mortgage Cycling Secrets Revealed By : Steve Gillman
Have you heard about mortgage cycling? Maybe you've seen the ads for books on this "secret technique" for paying off your mortgage sooner. Is there some useful information in them? Yes, especially if you are not familiar with the basic premise that you can pay extra principle every year and you'll pay off the loan sooner and save thousands on interest.
Article Related to: mortgage cycling, mortgage, equity, real estate

15). Become a Mortgage Broker By : Joe Kocsis
We all strive for success by studying for university degrees, attend courses and continuously look for a spark for direction in life and it's not until we see a professional person in front of us that we realise that it's a job that we would like to do. It seems easy watching that individual working at the height of their career without realising what price they have had to pay to achieve success.
Article Related to: become, mortgage, broker, cemap, training, courses, classes, schools, exams, mock, papers, help

16). The Truth Behind Paying �Points� For Your Next Mortgage By : Tabitha Naylor
Are you getting ready to buy a new home or refinance your existing one? Confused by what is actually meant when someone says you can �pay a point for this rate�? Don�t worry, real estate jargon can be quite confusing, when not thoroughly explained. This article dispels any myths you might currently hold when it comes to paying a point for your next mortgage.
Article Related to: mortgage, home loan, loan, credit scoring, credit scores, credit bureaus, finance, personal finance

17). Mortgage & Refinance Tips: Debt To Income Ratios By : Tristan Hunt
Debt to Income Ratios, often referred to as �DTI�s�, are a key calculation used in the refinance, debt consolidation, and purchase mortgage application process. A debt to income ratio is arrived at by dividing your monthly debt payments by your pre-tax income. Debt to income ratios are finally used to determine how much money you can borrow, and a thorough knowledge of DTIs can help you get the most value from your refinance, debt consolidation or purchase mortgage transaction.
Article Related to: mortgage, refinance, debt, consolidation, credit card, minimum payment, investor, home loan

18). Mortgage Adviser Courses By : Joe Kocsis
If you are looking to start a career in Financial Services as a mortgage advisor but are finding it hard to get your foot in the door, let a dedicated team of industry-experienced CeMAP training professionals lead the way. People travel to mortgage adviser courses from all parts of the country including England, Scotland, Wales and Northern Ireland.
Article Related to: mortgage, adviser, courses, cemap, training, schools, best, london, exam, help

19). Put Your Angry Customer at Ease By : Jay
Having to deal with angry and upset customers is by far one of the worst responsibilities we must face on a day to day basis in the world of sales and business. However, this responsibility, like so many others we must face on a daily basis, just comes with the territory. Customers become angry for all sorts of reasons. Some are legitimate reasons.
Article Related to: sales, marketing, loan officer, mortgage, leads, telemarketing, skills, training, communication, selling

20). Sub Prime Mortgage leads By : Jay
If you are a loan officer or mortgage broker interested in purchasing sub prime mortgage leads, purchasing them by way of the internet may not be a bad place to start. But before you do that, find a mortgage lead provider that can deliver exactly what you are looking for, and that is sub prime leads. A good place to start in your search for sub prime mortgage leads would be with a lead provider that allows you to receive sub prime leads only.
Article Related to: sales, marketing, loan officer, mortgage, leads, telemarketing, skills, training, communication, selling, internet mortgage lead

21). Offset Mortgages. A dream for well off homeowners. By : Michael Challiner
Offset mortgages represent one of the biggest mortgage innovations seen in recent years. Six years ago there was hardly an offset mortgage to be seen. Now they and the current account mortgage, to which they are closely related, account for £10 out of every £100 of new lending. What's more, one of the UK 's large lenders believes that 25% of existing mortgage holders would be better off with an offset mortgage.
Article Related to: mortgages, mortgage, offset, well, off, homeowners

22). Probe Before You Sell By : Jay
When selling a product to a customer, it is very important to find out as much as you can about your customer and their needs before you proceed with your sale. This is commonly referred to as �needs based selling.� The most effective way to find out about your customers needs, is to ask probing, open-ended questions. An open-ended question does not allow your customer to give you a �yes� or �no� answer, it makes them explain to you what their needs are, and why they would need a particular product.
Article Related to: sales, marketing, loan officer, mortgage, leads, telemarketing, skills, training, blog, selling, internet mortgage lead

23). Sell Your Customer What They Need By : Jay
When it comes to selling your products it is important to ask your potential customers probing questions as well as open ended questions. These types of questions are geared toward gathering information. They commit your customer to giving you anything but a yes or no answer. For instance, an open-ended question would come across like this: What.
Article Related to: sales, marketing, loan officer, mortgage, leads, telemarketing, skills, training, blog, selling, internet mortgage lead

24). Weeding Out Buyers with Financial Excuses By : Raynor
Selling a home can quickly become frustrating when buyers claim financial delays. Here is how to eliminate these excuses up front. Weeding Out Buyers with Financial Excuses If you have ever put your house on the market, you know the frustration potential buyers can cause you. It is fairly shocking how many people will come to an open house or ask for a private viewing, yet have no intention of buying the home.
Article Related to: real estate, selling, seller, mortgage, broker, brokers, buyers, buying, financing, lender

25). CeMAP Mock Exam Papers on eBay By : Joe Kocsis
If you are considering buying old advertised CeMAP mock exam papers on eBay, beware! This could be a severe waste of your money! You should be aware that the Institute of Financial Services (ifs) often changes the Certificate of Mortgage Advice and Practice (CeMAP) course content on a yearly basis and sometimes twice a year. Changes have recently been made from 1st September 2006 and as a consequence anyone buying old CeMAP mock exam papers can be wasting their money, as they are most probably out of date.
Article Related to: cemap, mock, exam, papers, training, courses, mortgage, adviser, become, broker