Home Loan Articles

1). The Pitfalls of Selling Your Home Alone By : Andrew Webber
Many homeowners think that selling home alone without the help of a Realtor will help simplify the process and will save them money in the end. The fact of the matter is that selling your home on your own isn't easy work. In fact, you may actually lose a substantial amount of money when you try to sell your home alone because you aren't well spoken in the language and business of real estate.
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2). Home Loan Center – Does The Type Of Lender Impact The Type Of Mortgage You Can Get? By : Dean Shainin
While deciding on the right lender, one should address the following questions: Does it really matter where you get your first mortgage? What is the difference between different types of lenders, and how does that impact on the mortgage you can get?
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3). 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

4). 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

5). 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

6). 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

7). Unsecured Non Payday Loans: Do They Exist? By : Susan Dean
Unsecured non payday loans certainly do exist. These loans are different from the usual un-secured pay day, fast cash type of loan. They come more in the form of a personal loan but without the need for security. This means that unlike short term cash advances such as payday loans you can obtain a loan that you can pay back over a longer period of time without having to produce any up front security.
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8). Adjustable Rate Mortgages- Time Bombs Ticking By : Jim Grayson
Over the last few years, thousands and thousands of homeowners have financed or refinanced their homes with ARM's, Adjustable Rate Mortgages. ARM's are mortgages that are tied in to lower interest rates in the beginning so that many homeowners can afford their monthly payments. As long as interest rates stay even or go lower, the home owner is fine.
Article Related to: remortgage, home mortgage, home refinancing, home loan

9). Is Your Subprime Mortgage Lender A Predatory Lender By :
Subprime lenders offer financing for people with low credit scores who don’t qualify for a conventional loan. Subprime financing can be offered through traditional mortgage lenders like banks, credit unions, or mortgage lenders. There are also specialized lenders who only deal with subprime mortgages. Predatory lenders charge high fees, write loans in vague terms, and structure payments so they can foreclose on property.
Article Related to: subprime mortgage, mortgage loan, home loan, poor credit

10). Oakland California Real Estate By : jen
Oakland, California, is located in Alameda County, and is 10 miles E of San Francisco, California. Oakland has a population of 399,484. It is in the San Francisco Bay Area region, and enjoys close proximity to San Francisco. The San Francisco-Oakland Bay Bridge links the two cities together. Concentrated efforts have been made in the preservation of precious Victorian homes.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

11). Considering a Mortgage Refinance By : jen
If you are looking for a mortgage refinance, it never hurts to shop around for the best rate and deal. Shopping around could mean the difference between paying or saving thousands of dollars in closing costs, and interest fees’. If time happens to be on your side, and you don’t need to refinance your mortgage immediately, take some time to educate yourself about the mortgage industry.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

12). Refinance & Mortgage Tips: Down Payment With Gift Letter By : Tristan Hunt
If you are a first time home buyer who has been out shopping for that dream house, you’ve probably already heard your real estate agent or property developer’s first question: “How much will you be putting down?” If you have excellent credit, several years of consistent income on record and a relatively long history of using credit wisely, you may qualify for 100% financing, often referred to as a “No Money Down Mortgage” or “Zero Down Home Loan”.
Article Related to: debt consolidation, mortgage, refinance, credit card, home loan, buy house, first time buyer

13). Mortgage Loan – Understanding FICO Scores By : Dan Lewis
Apply for a mortgage loan and you’ll soon become familiar with FICO scores. Here’s a primer on the infamous FICO scoring process. FICO scores are merely a mathematical representation of your credit record. Credit records are simply a recording of your debts and assets. Credit card balances, for instance, are a debt that appears on your credit record, as do late payments, bounced checks and so on.
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14). Cash Out Refinance By : jen
If you have owned your home for a period of time long enough to obtain some equity through your monthly mortgage payments and appreciation, you may be considering borrowing off the equity you have established in your home. This can be known as cash out refinancing, where you basically refinance your home and get some cash back in the way of a lump sum at the closing table.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

15). Getting a Home Inspection By : jen
If you are in the process of purchasing a new home, it will definitely be in your best interest to have a home inspection done. Not only will you want to have a home inspection done for your own sake, and peace of mind. But most lenders will require that you have a home inspection before they will proceed with the loan. The lending institution has just as much interest in the home as you do, so that is why they require a home inspection.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

16). Down Payments – Get Creative By : Dan Lewis
One of the biggest hurdles to buying a home is the down payment. Saving up a chunk of change can be difficult, so getting creative is a key. Down Payments The amount of your down payment is dependent upon many potential issues, but two come to the forefront. Each of these can reduce or increase the amount of cash you have to come up with for the home of your dreams.
Article Related to: down payments, home loan, saving, 401k, borrow, 401k loans, real estate, mortgage loan, down payment

17). Second Mortgage for Home Improvement By : jen
Now that you have been in your home for a few years and you have established some equity, you may be considering doing some home improvement with a second mortgage. Home improvement comes in many forms. Such as a new kitchen, bathroom, roof, siding, etc. You can acquire a home improvement loan or second mortgage through one of three ways. Refinancing with cash out, a home equity loan, or a home equity line of credit.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

18). Easy Way To Sell Your Home By : Dr. Drew Henry
It is not pleasant when you want to sell home but nobody is interested in. Selling a home need not be a bitter encounter. We should healthily treat it as a source of marketable commodity, a money-generating property, a real estate. We should see our property as not just a plain house or a shelter, but as a fortress! In selling a home, we should also let other people (especially prospective buyers) get the same home sweet home experience we had.
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19). On Line Mortgage Quotes By : jen
On Line Mortgage Quotes The mortgage industry is a very competitive one, so if you are on the market for a mortgage, or refinancing your existing one, you may want to consider getting a few quotes on line. By obtaining a few quotes on line, you are in no way committing yourself to anything. Due to the competitive nature of the mortgage industry, it really wouldn’t hurt to post an on line application at a secure sight, and allow for four or five loan officers or brokers to compete for your business.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

20). San Jose California Real Estate By : jen
San Jose, California, is located in Santa Clara County and is in the heart of Silicon Valley. With a population of 894,943, San Jose is a vibrant, thriving metropolitan community. Culture, arts, and technology dominate here as evidenced by the innovative Tech Museum, the San Jose Museum of Art, and the Children’s Museum. Additionally, a campus of the California State University calls San Jose home.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

21). Securing the Best Mortgage Rate By : jen
If you are looking to purchase a new home or refinance the one you are currently living in, you will want to find the best mortgage rate out there. Securing the best mortgage rate for you really isn’t that difficult if you are willing to take some time and educate yourself, as well as put out some feelers to do some shopping around. The mortgage industry is a very competitive one, so for starters, shopping around isn’t such a bad idea.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

22). How To Use A Current Account Mortgage By : Peter J Kenny
If you are searching for a mortgage then you probably know about the common types of mortgage like fixed rate and variable rate. What you might be more unfamiliar with is a newer type of mortgage known as a current account mortgage. If you are in the market for a mortgage or are looking to change your existing one, then you should definitely consider a current account mortgage.
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23). Home Loan Refinancing in Australia By : Chris Smith
Everything you need to know to successfully refinance your Home Loan in Australia. Including some traps to avoid and where to go for Home Loan help.
Article Related to: home loan, refinancing, debt consolidation, mortgage, loans, broker, finance.

24). Anchorage Alaska Real Estate By : jen
Anchorage, Alaska, is located in Anchorage County and lies 1434 miles northwest of Seattle, Washington. Anchorage has a population of 260,283. Its residents enjoy outdoor activities like kayaking through Prince William Sound, fly-fishing, skiing, and hiking and a relatively mild climate. Anchorage is a historical and bustling city that serves as the transportation, banking, and business center of the state.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase

25). Refinancing With Cash Out By : jen
If you have lived in your home for a reasonable amount of time and have acquired equity through appreciation and monthly mortgage payments, you may be considering liquidating some of that equity by refinancing with cash out. Refinancing with cash out in laymen terms simply means to refinance your existing mortgage and borrow some of the equity in the home to be received in a lump sum at the closing table.
Article Related to: finance, refinance, mortgage, home loan, credit, real estate, broker, banker, lender, borrowing, money, rates, closing costs, home purchase