| 301. | Want to Know Your FICO? Your Mortgage Lender Does
The process of buying a house is filled with numbers; the price of the house, the size of the loan, the interest rate, the amount of the monthly payment, closing costs and the cost of moving. However, there`s one little number that most of us overlook and in many ways it is the most important number of them all...
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| Article XML Feed | | - Tuesday, May 07, 2002 |
| | 302. | Bi-weekly Payments Reduce Interest Costs
According to various lenders and companies that specialize in showing you how to turn your current mortgage into a bi-weekly mortgage plan, these types of mortgages are the answer to saving thousands of dollars in interest on your home loan. The theory behind the process is that by opting for the bi-weekly payment plan, as opposed to the traditional monthly mortgage payment, you will be paying off your loan balance more quickly, which will lead to lower interest charges in the future...
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| Article XML Feed | | - Tuesday, April 30, 2002 |
| | 303. | Mortgages Have Lots of Numbers. The Monthly Payment is an Important One.
When you`re shopping for a new home, and a mortgage to pay for it, you can get buried in numbers. There are so many of them and they can be so confusing that sometimes you wind up focusing on the wrong ones...
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| Article XML Feed | | - Tuesday, April 23, 2002 |
| | 304. | Mortgages Get Even More Complicated After You Have Them
If you think the mortgage process is complicated when you`re trying to get a loan, you ought to see what happens to your mortgage once you have the loan. In most cases, the mortgage company that worked so hard to get your business turns around and sells the mortgage as soon as you`ve signed it -- usually at a "loss" -- at less than face value...
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| Article XML Feed | | - Tuesday, April 16, 2002 |
| | 305. | Survey Shows Increased Use of Internet for House and Mortgage Shopping
Some years ago the phrase "Let your fingers do the walking," was the slogan used to advertise the Yellow Pages. Today, most of us still let our fingers do the walking -- but now they do it online...
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| Article XML Feed | | - Tuesday, April 09, 2002 |
| | 306. | 100 and 103 Percent Financing -- Eliminating the Down Payment
If you can afford to pay rent, you can probably afford to make a monthly mortgage payment -- once you come up with the down payment. It`s coming up with a down payment that prevents a lot of people from owning their own home...
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| Article XML Feed | | - Tuesday, April 02, 2002 |
| | 307. | "Where Do Mortgage Rates Come From?"
Mortgage interest rates seem to go up and down, sometimes for no apparent reason. So, the question is: "Where do they come from?" Considering how often we hear about Alan Greenspan in the financial news, we might think the answer is: "From under a leaf out in the cabbage patch behind the Federal Reserve Bank...
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| Article XML Feed | | - Tuesday, March 26, 2002 |
| | 308. | When It Comes To Cosigning, Think Twice before You Sign Once
Cosigning a mortgage is risky. In fact, it can be downright dangerous...
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| Article XML Feed | | - Tuesday, March 19, 2002 |
| | 309. | Bad Credit? You Have a Lot of Loans to Choose From
The better your credit rating is, the fewer choices you need when you shop for a mortgage. Everyone will give you the best rate they can, and in today`s highly competitive mortgage market, that usually means that everyone will be offering you the same rate...
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| Article XML Feed | | - Tuesday, March 12, 2002 |
| | 310. | HUD Disaster Mortgages Can Help You Get a New Home
Whether it`s earthquakes, tornadoes, hurricanes, floods, volcanoes, blizzards, or any other natural disaster, there is no place in the country that is completely safe from nature`s wrath. From Maine to Hawaii and Alaska to Texas, natural disasters cause billions of dollars worth of damage every year...
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| Article XML Feed | | - Tuesday, March 05, 2002 |
| | 311. | Reverse Mortgages -- Letting Your House Support You
One of the reasons we save for that proverbial "rainy day" is that we know that a "rainy day" is probably coming. For many of us, it comes after we retire...
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| Article XML Feed | | - Tuesday, February 26, 2002 |
| | 312. | A Land Contract Can Be A Financial Disaster Waiting to Happen
We tend to think that unless a house is paid for in cash, you have to have a mortgage. That`s not exactly true...
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| Article XML Feed | | - Tuesday, February 19, 2002 |
| | 313. | Is "NOW!" Really the "Best Time Ever!" to Refinance?
If you`re a homeowner, you probably get inundated regularly with letters, postcards, flyers and even phone calls claiming that "NOW!" is "the best time ever!" to refinance your mortgage. It doesn`t seem to matter how the economy is doing or where the stock market is, or anything else, for that matter...
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| Article XML Feed | | - Tuesday, February 12, 2002 |
| | 314. | Is a 30-year Mortgage Really the Right One for You?
When someone says the word "mortgage," most people think of a 30-year loan. Think again...
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| Article XML Feed | | - Tuesday, February 05, 2002 |
| | 315. | Insurance Policies Required with Home Loan
When applying for a mortgage loan, many consumers discover that there are several types of insurance that need to be purchased. Here are the answers to some of the more common questions that borrowers ask...
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| Article XML Feed | | - Tuesday, January 29, 2002 |
| | 316. | How Much of Your Mortgage Will You Pay Off This Year?
Buying a home is an emotional decision. We`re talking about the place you plan to live in; perhaps to start a family, raise a family, retire to, or maybe all four...
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| Article XML Feed | | - Tuesday, January 22, 2002 |
| | 317. | Let the IRS Help You Buy a Vacation Home . . . Anywhere in the World
There are usually a lot of important reasons for picking a specific home: the price, number of rooms, size of the back yard, overall design and look of the house, and the neighborhood in which it is located. Then there©ˆs the distance to jobs, to specific schools, churches, medical facilities, recreational areas, shopping, maybe even to family members...
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| Article XML Feed | | - Tuesday, January 15, 2002 |
| | 318. | Answers to Common Questions about Mortgages
The process of getting a mortgage to buy a home can be both intimidating and confusing, especially for first-time homebuyers. We at Interest...
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| Article XML Feed | | - Tuesday, January 08, 2002 |
| | 319. | A Big Down Payment? Analyze the Benefits
When it comes to getting a loan to buy a car, a TV, a dishwasher, or anything else, for that matter, the larger your down payment, the less money you will owe on it, and the smaller your monthly payments will be. When it comes to a mortgage, however, there`s a lot more involved than just the numbers...
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| Article XML Feed | | - Tuesday, January 01, 2002 |
| | 320. | Loan Approval in the Blink of a Cursor
A long, long time ago, way back in the last millennium, somewhere around 1991 or so, it could take anywhere from two to four weeks to find out if you had been approved for a mortgage loan. Sometimes it took even longer -- maybe a month, or more...
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| Article XML Feed | | - Tuesday, December 25, 2001 |
| | 321. | Financing Rental Property
If you`re considering buying property so you can become a landlord or landlady, it helps to have a tenant living on the property -- or one who has signed a lease and is ready to move in -- even before you apply for the loan. That`s because "income property" is only income property when it is providing an income...
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| Article XML Feed | | - Tuesday, December 18, 2001 |
| | 322. | There`s Good News -- and Bad -- for People with Blemished Credit
If you want to buy a house, but have a "blemished" credit history, there`s good news and bad. The good news is that you can clean up your credit record, regardless of late payments, repossessions, write-offs, and even a bankruptcy...
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| Article XML Feed | | - Tuesday, December 11, 2001 |
| | 323. | Mortgage Rates and the Fed: Do They Work Together?
Every time Federal Reserve Chairman Alan Greenspan lowers interest rates, telephones ring off their hooks in mortgage offices across the country. Then, when consumers find out that interest rates on mortgages haven`t gone down even though short-term rates have, they want to know why...
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| Article XML Feed | | - Tuesday, December 04, 2001 |
| | 324. | The Zero-Down Loan: A Pricey Alternative to a Down Payment
There are government-backed zero-down loans for veterans and for those who can qualify for certain Federal Housing Administration (FHA) mortgages. But did you know that there are zero-down loans for people who want to buy homes that are priced above the FHA loan guarantee limit? Although you will have to jump through a few extra hoops to get one, and pay extra for the privilege, they are available...
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| Article XML Feed | | - Tuesday, November 27, 2001 |
| | 325. | For a Down Payment, You Have to Show the Money -- and Where It Comes From
Most homebuyers are familiar with the scrimping, saving, and juggling that is often required to come up with the down payment for a new home. There`s one more step involved, however, of which you might not be aware‹keeping good notes of just where all that money you scrimped, saved and juggled actually came from...
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| Article XML Feed | | - Tuesday, November 20, 2001 |
| | 326. | Locking Down a Good Deal on Your Mortgage Rate
We all like to make sure that the things that are important to us can be safely locked up when necessary -- our home, our cars, even our mortgage rate. The best time to lock in your mortgage rate, however, just might be before you have the home that goes with it...
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| Article XML Feed | | - Tuesday, November 13, 2001 |
| | 327. | Good Mortgage Rates are Available -- Even if Your Credit Isn`t Perfect
If you really want a house and have enough money for a good down payment, you can get a mortgage even if your credit rating is less than stellar -- as long as you are willing to pay the price. While today`s mortgages are averaging near 7 percent, some subprime lenders, who are in the business of making mortgages to those with questionable credit, are writing loans for 10, 11, and 12 percent -- or even higher...
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| Article XML Feed | | - Tuesday, November 06, 2001 |
| | 328. | Practice Foreclosure Safety
Foreclosure safety is a lot like fire safety. If you prepare in advance, study your options, have an escape plan, and know exactly what to do at the first sign of trouble, you can very likely get through unscathed...
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| Article XML Feed | | - Tuesday, October 30, 2001 |
| | 329. | Choosing Between Private Mortgage Insurance and a Second Mortgage
Everyone talks about how to use an 80-10-10 loan or one of its clones to get out of paying Private Mortgage Insurance (PrivateMI). For some people, however, it just might pay to live with PrivateMI for awhile...
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| Article XML Feed | | - Tuesday, October 23, 2001 |
| | 330. | Home Financing FAQ
Q. What is the difference between getting `pre-qualified` and getting `pre-approved` for a loan? A...
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| Article XML Feed | | - Tuesday, October 16, 2001 |
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