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  • CML survey finds 2007 mortgage payments highest in 15 years  By : Paul McIndoe
    A recent report published by the UK Council of Mortgage Lenders (CML) has found that mortgage interest payments for first-time buyers are now at their highest levels for 15 years.
  • Do I need an appraisal if I combine ARMs and then Refinance?  By : Samantha Taylor
    First of all, the bank or any lender will not ask you for an appraisal until and unless it has approved your refinance loan and started off the loan process. And, secondly, it’s better to have an appraisal done because an appraisal holds good only for a period of 3 to 4 months after it has been carried out. So, you can surely have an appraisal done prior to refinancing your combined debt.
  • What’s best for me – an ARM or Fixed?  By : Drew Tyler
    This question has puzzled many people when they go to purchase or refinance a home: “Should I get a low adjustable-rate mortgage (ARM), or go with the security of a fixed?” While it is true that a fixed-rate mortgage (FRM) can provide more security, it is also true that an ARM can provide more immediate savings with a lower rate and payment. There are a few things that you need to understand and questions that you need to answer before you decide on one over the other.
  • I’ve been paying on my mortgage and my balance went up!?  By : Drew Tyler
    There are going to be plenty of surprised folks in the near future when they go to sell, refinance, or use some equity in their home and they find out that they’ve gone backwards. Some of my new clients have asked me, “How can it be that I made my $2000 monthly payment on time each month for over a year, and I now owe $15,000 more than when I started?” “I even got this great 1% interest rate,” they exclaim.
  • Is it a good time to refi my home?  By : Drew Tyler
    When is the best time to refinance your home? Should you wait for rates to be at all time lows, or the value of your home to be at an all time high? Ideally, you would like both. We just went through a period of exactly that with the most recent refi boom. Unfortunately, many consumers were put into programs (such as ARMs) that would require home value to keep increasing. Others were put into worse loans (see my article on the MTA Option ARM).
  • Monthly Payment vs. Monthly Outgo  By : Drew Tyler
    In this article I am going to explain a principle that people need to understand when they are trying to refinance their home to consolidate their debts and lower how much they spend each month. While it is a seemingly simple principle, many people have a hard time distinguishing the difference between their monthly mortgage payment and their monthly outgo.
  • Help me Understand Loan Amortization  By : Drew Tyler
    The term ‘amortization’ shares its origin with the word ‘mortgage.’ Both come from the Latin root, ‘mort’ which means to terminate or kill. It should be every person’s goal to terminate or kill the balance on his or her home loan (mortgage); in order to accomplish this, a portion of each payment must go towards paying down the principal. Because the lenders charge interest, a portion of each payment also must go to them. In this article, I hope to help you better understand loan amortization
  • Why You Don't Want a No Closing Cost Loan  By : Drew Tyler
    It seems today that there are commercials running all over the television, radio, Internet, and newspapers that offer “No Closing Cost Loans!” To the average consumer, these may sound like a great deal. However, with mortgages, just like with anything else, you get what you pay for.
  • Should I Get Pre-qualified or Pre-approved for my Loan?  By : Drew Tyler
    So you’re ready to take a big leap in the right direction; you’ve decided to buy your first house! You have found a real estate agent, started thinking about the neighborhood that want to live in, and are ready to start looking at homes. Have you gotten your financing secured yet?
  • Lousy Credit? - You May Still get a Mortgage  By : Drew Tyler
    Just because you have had credit problems in the past doesn’t necessarily mean that you are doomed to a life of dealing with landlords. Poor credit can be a result of people simply not paying their bills, or more uncontrollable circumstances such as illness. While lower FICOs (credit scores) do signify a higher credit risk, they do not mean future credit problems are certain. Because of that, there are possibilities for people with a low FICO to obtain a mortgage.
  • Abbey survey finds limited demand for 25-year mortgages  By : Paul McIndoe
    Research undertaken by Abbey Mortgages has signalled doubts over Alistair Darling's new proposals for more 25 year fixed-rate mortgages in the UK housing market.
  • Mortgage Interest Rate vs. Term  By : Drew Tyler
    Turn on the radio and you will surely hear someone advertising a 5% 30-year fixed-rate mortgage. Sounds great, right? Not bad, but you can do better. Personally, I’d prefer a 7% 10-year fixed.
  • I’ve Got Good Credit. Why is my Rate so High?  By : Drew Tyler
    Are you looking to refinance? Maybe you want to purchase a new home. Don’t listen to all of the media hype surrounding mortgage rates and expect to get the rate that you hear advertised. Even if you have perfect credit, you may have a higher rate than you think you should. Read on to find out why.
  • What Exactly is this Subprime Mess?  By : Drew Tyler
    If you ever turn on the radio or television then you have surely heard something about the current “subprime mess,” “credit crunch,” or “mortgage meltdown.” What are they really talking about, and how did it happen? Read on to learn the basics.
  • Mortgage Closing - Understanding What You’re Signing  By : Drew Tyler
    Millions of people recently refinanced their home. During this refi boom, unscrupulous people entered the business and put many of these borrowers into bad loans. In many cases people didn’t know what they were signing, and got stuck. Below are a few things that you should pay special attention to.
  • Understanding Jumbo Mortgages  By : 1st american mortgage
    What differentiates jumbo mortgage loans is the loan amount. At present, loan amounts that are higher than $417,000 are usually deemed jumbo mortgages. This determination is made by comparing industry standards for average housing loans
  • Refinance or use home equity for a Reverse mortgage?  By : Samantha Taylor
    If you are old enough to qualify for a reverse mortgage, better go for it instead of taking out a refinance loan. However, you can also look out for a home equity line of credit as an alternative option.
  • What to Expect From a Jumbo Mortgage Loan.  By : 1st american mortgage
    A jumbo mortgage loan is a loan taken for property that is high-priced.. In Colorado, as in most of the U.S., a jumbo mortgage loan is any mortgage that exceeds $417,000 - the limit set by Fannie Mae and Freddie Mac for conforming loans.
  • Things to Consider For Your Colorado Home Loan Quote.  By : 1st american mortgage
    Shopping for a Colorado home loan quote isn't much different than looking for mortgages elsewhere in the U.S.; however, the housing market in Colorado does present some unique needs.
  • More women taking on two jobs to pay the mortgage  By : Paul McIndoe
    In order to pay all their day-to-day living expenses, more and more women are being forced to take on two jobs as the credit squeeze tightens.

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