Mortgage Articles
You may have been hearing a lot about reverse mortgages these days and may be wondering how does a reverse mortgage work, what they are and if you should get one.
Thu, 18 Dec 2008: Holiday Shopping for Owner Builder Loans: The Features Your Financing Must Have
Happy Holidays. It's that time of year again. Holiday season not only means shopping for stocking stuffers. It's also the time of year when people start planning their construction projects to be able to begin building in the spring. Here's a list of features your owner builder construction loan must have to make your shopping easier.
Fri, 12 Dec 2008: Stop Foreclosure Without A Lawyer
Most of the clients that call me to try and save their home are under the misconception that you need to hire a lawyer to stop the foreclosure process. The truth is, if you know just a few simple secrets, you can stop foreclosure without a lawyer.
Wed, 10 Dec 2008: Adjustable Rate Mortgage and California Home Loans
Some people in California do not really know how to start with their California home loans. Home loans like mortgage refinancing, fixed rate mortgage loan or an adjustable rate mortgage.
Tue, 9 Dec 2008: Better Understanding of Adjustable Rate Mortgage Loans
A closer look at the basics of an adjustable rate mortgage should be considered if you intend to purchase your dream home in the near future.
Mon, 8 Dec 2008: Is An Owner Builder Loan Recession Proof?
Certainly owner builder construction loans have changed over the last couple of years in response to the tightening of the mortgage industry's metaphorical belt. However, there are still some good owner builder construction loans available today. And, the main features of owner builder construction may make it a winner regardless of the current state of the economy.
Thu, 4 Dec 2008: The Best Way to Lock In Your Permanent Interest Rate as an Owner Builder
All construction-to-permanent loans, especially owner builder loans, have two sets of interest rates - one rate during construction and one permanent mortgage rate once you are done building. If an owner builder can find a way to lock the permanent mortgage rate now, prior to construction, he can save a lot of money over the next 30 years.
Tue, 2 Dec 2008: Who Should Be an Owner Builder in Today's Economy
Owner builder construction loans are designed for people who wish to build their new house without having to hire a general contractor. Unfortunately, there is a lot of confusion about the role of the owner builder, leading many people to take on the responsibility for the wrong reasons - and with improper planning. If you want to be an owner builder, you should consider these points first.
Mon, 1 Dec 2008: Home Repossession a Cruel Fate
Learn how to avoid having your home being repossessed for late mortgage payments
Mon, 1 Dec 2008: Access More Money With A Home Equity Loan And Know About A Low Doc Home Loan?
Known by a number of names, a Revolving Line of Credit, a Line of Credit Home Loan, and a Home Equity Loan, this type of loan has become popular due to its flexibility and features.
Sat, 29 Nov 2008: Mortgage Refinancing In California
For many people in California, they are currently experiencing one of the worst mortgage and home loan disaster.You need to take advantage of the low rates now being offered in the state of California.
Fri, 28 Nov 2008: Income Documentation for Self-Employed Borrowers of Owner Builder Construction Loans
Owner builder construction loans have essentially eliminated stated income programs. For self-employed borrowers, who keep their documented income as low as possible for tax purposes, this policy change can cause real problems. Therefore, if you're self-employed and wish to build your home as an owner builder, you need to know beforehand the procedures for calculating and documenting your income.
Wed, 26 Nov 2008: Ten Questions You Should Ask About Your Owner Builder Construction Loan
Owner builder construction loans have not been immune to all of the changes that have occurred over the last couple of years in the mortgage industry. With all of the turbulence, a borrower must ask more questions now than ever before. So, if you want to be an owner builder, here is a list of ten questions you need to ask about your construction loan.
Wed, 19 Nov 2008: The Fall of the Owner Builder Construction Loan
Owner builder construction loans have not been immune from the pains within the mortgage industry over the last couple of years. In fact, there have recently been some major changes within the world of construction financing that are worth examining. It's time to take stock as an owner builder, and fully assess your current options for the new realities of today's market.
Tue, 18 Nov 2008: A Guide To Buying New Flats In The UK
Looking at the property market and choices for buying a new apartment for first-time buyers.
Tue, 18 Nov 2008: Secondary Market Halts Jumbo Reverse Mortgages
This comes as no surprise at a time when credit is so tight and the jumbo product is not readily marketable in the secondary mortgage market...
Mon, 17 Nov 2008: 5.68% Fixed Rate Announced for Reverse Mortgages
It means that senior homeowners have a better opportunity now to obtain a low fixed rate Reverse Mortgage than at any time...
Fri, 14 Nov 2008: Costs Associated With Getting A Mortgage
Our home is the single biggest asset that most of us will own during our lives; and as everybody knows, it is not cheap - the average cost of a home in the United States is now around $215,000. Once you sign all the papers and prepare to move into your new home, you will incur various costs associated with your mortgage; these are generally known as closing costs.
Fri, 14 Nov 2008: An Overview Of An Asset Based Mortgage
Though most potential homeowners are most familiar with traditional mortgages where the property being purchased serves as collateral for the loan, this is not the only type of mortgage that is available.
Fri, 31 Oct 2008: How To Effectivly Use A Mortgage Calculator
Mortgage calculators are used to help a current or potential real estate owner determine how much they can afford to borrow to purchase a piece of real estate.
Fri, 24 Oct 2008: How To Refinance A Mortgage
Refinancing may be undertaken to reduce interest rate/interest costs (by refinancing at a lower rate), to extend the repayment time.
Fri, 24 Oct 2008: Canada Interest Only Mortgage
An interest-only loan is a loan in which for a set term the borrower pays only the interest on the principal balance, with the principal balance unchanged.
Fri, 24 Oct 2008: Why To Opt For Second Mortgage
A second mortgage typically refers to a secured loan (or mortgage) that is subordinate to another loan against the same property.
Wed, 22 Oct 2008: What is the Goal of a Foreclosure Hardship Letter?
If you are in foreclosure, you will likely have to write a hardship letter. The problem many homeowners have is they stray off target and wander into the world of "what ifs" and "if onlys." This does nothing for you except get your loss mitigator to roll their eyes in frustration. The biggest thing you must do is set a goal for the letter and relentlessly focus your writing to reach that goal.
Sun, 19 Oct 2008: Brief Review About Fixed Rate Mortgage
Fixed rate mortgages are characterized by their interest rate (including compounding frequency, amount of loan, and term of the mortgage).
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