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Mortgage & Refinancing Information
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.
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.
Homeowner Loans - Drawing Lessons of the Past
Loans are not of a recent origin. People used to take help from others even at times when money was unseen and barter was the mode of trade prevalent.
What is a Homeowner Loan?
If you are a homeowner, it couldn't be easier to apply for a Homeowner or Secured loan. Secured loans - i.
Private Mortgage Insurance Basics
Will you be asked to pay Private Mortgage Insurance, or PMI? Most lenders will require you to carry PMI if you cannot put 20% or more of your loan amount forward as a down payment. PMI protects the LENDER in case you default on your payments.
Fixed Versus Adjustable Rate Mortgages
Which One Should You Choose? Choosing between a fixed rate loan and an adjustable rate loan is one of the most perplexing choices anyone can make. With a fixed rate loan, you know exactly where you stand today, and where you'll stand any number of years from today.
Selecting the Right Mortgage for You
A mortgage is a loan you take out to buy a home. This loan covers the "principal" (purchase price of the house minus your down payment) plus the "interest," which is the fee a lender charges you to borrow the money.
Secured Homeowner Loans to Reiterate that a Home Provides More than a Roof Over Your Head
"The ache for home lives in all of us, the safe place where we can go as we are and not be questioned." It is a challenge to find a place like that.
Home Loans: What You Should Know!
Finding home loans can be a daunting task, whether you're a first time home buyer or an existing homeowner. The good news is that there are more options than ever to help you find the loan that's right for you.
Online Mortgage Loan Companies Are Convenient
There are many reasons to use the internet to take care of your mortgage loan needs. Online mortgage companies can give you quick answers to your mortgage application and can often times give you an answer of whether or not you have been pre-approved within 24-48 hours after you submit your mortgage application.
If you fall behind in your mortgage payments, you face the threat of foreclosure. Foreclosure means your lender can take over your home, and you must move out.
Avoiding Foreclosure Scams
If your mortgage company is threatening foreclosure, there are things you can do to avoid it (see my article titled "How to Avoid Foreclosure"). However, you should be aware of scams.
Using a Calculator to Assess Your Loan
Buying a house is a very important step in your life. Every family dreams of having their own home and whether you are looking into your first, or are moving or upgrading your home, you know your mortgage is important.
How To Turn Disadvantages Of A Reverse Mortgage To Your Advantage
When it comes to a reverse mortgage, wise consumers weigh the advantages and disadvantages prior to signing on the dotted line. Let's start on a positive note, you could do what most borrowers do and opt for the reverse mortgage line of credit.
Mortgage Sales Hit Problems
The housing market has been buoyant over the past few years, but mortgage providers and first-time buyers are both now facing a tough time. Following announcements from the Bank of England that there has been an overall decline in the total number of UK home-buyers, and a declaration from the Financial Ombudsman Service (FOS) that the number of disputes concerning improperly sold mortgage endowments has now hit record levels, it seems that mortgage lenders are facing a bleak time.
More Articles from Mortgage & Refinancing
MORE RESOURCES updated Tue. March / 28 / 2023
What Is a Cash-Out Refinance? - Buy Side from The Wall Street Journal
Still time to save: Today's 30-year mortgage rates rest for third straight day | March 27, 2023 - Fox Business
Still time to save: Today's 30-year mortgage rates rest for third straight day | March 27, 2023 Fox Business
Rushing to refinance: How borrowers are getting approved for far-cheaper home loans - Yahoo Finance Australia
Rushing to refinance: How borrowers are getting approved for far-cheaper home loans Yahoo Finance Australia
Today's Mortgage, Refinance Rates: March 26, 2023 | Rates Down Business Insider
Today's Mortgage, Refinance Rates: March 27, 2023 | Rates ... Business Insider
Today's refinance rates dip - March 27, 2023 Bankrate.com
11 Home Refinance Loans For Bad Credit BadCredit.org
Refinancing your mortgage could save you thousands — here are some of the best refinance lenders - CNBC
Refinancing your mortgage could save you thousands — here are some of the best refinance lenders CNBC
Here’s how sharply mortgage refinancing has dropped off Yahoo Finance
Should I Refinance My Mortgage? - Buy Side from WSJ The Wall Street Journal
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California's population is shortchanged on financial literacy first tuesday Journal
LendingTree Review for 2023 The Mortgage Reports
Mortgage refinancing to boom even higher MacroBusiness
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How does mortgage refinancing work? CBS News
CFPB Launches Effort to Spur New Opportunities for Homeowners ... - Consumer Financial Protection Bureau
CFPB Launches Effort to Spur New Opportunities for Homeowners ... Consumer Financial Protection Bureau
Today’s 30-year mortgage refinance rates hit lowest levels in 15 days | Oct. 28, 2022 - Fox Business
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Analysis | It Will Pay to Wait to Refinance Your UK Mortgage The Washington Post
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Will 2023 Be a Good Year to Refinance a Mortgage? The Motley Fool
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Trends in Mortgage Refinancing Activity Freddie Mac
Current 15-Year Refinance Rates Today Business Insider
Refinance Rates, Dec. 13 | Rates falling today The Mortgage Reports
Heloc vs. Cash Out Refinance Credible
Mortgage refinancing dries up Fox Business
7 Refinancing Programs for Seniors Total Mortgage
Mortgage Giant Rocket Plunges Back to Earth, Hit by Rising Rates The Wall Street Journal
When Should You Refinance an Adjustable-Rate Mortgage ... U.S News & World Report Money
Mortgage Rate Buydowns Are Back Bankrate.com
Mortgage Rates: When should you refinance your mortgage? Marca English
Understanding A No-Appraisal Refinance Zing! Blog by Quicken Loans
Can You Refinance a Reverse Mortgage? Investopedia
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Will a Cash-Out Refinance Make Sense for You in 2023? The Motley Fool
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