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National Home Values - Going Beyond The Media

By Shashank Shekhar

The California real estate still faces many challenges: High unemployment, foreclosures and other distress sales are keeping negative pressure on prices. This of course is good news if you are looking to buy as low rates and lower...

Home Equity Loan vs Refinance

By Conrad Bastable

Many families consider taking out a home equity loan when looking for an additional infusion of cash ? whether it be for a new kitchen, a college education, or medical payments.

Truth in Lending Act (TILA)

By Derren Peters

The Truth in Lending Act (TILA) was passed by Congress in 1968. It created a uniform system for calculating the terms of a consumer loan, and how that loan is explained to the public, making it easier for consumers to compare...

What is a Mortgage Broker?

By Beth Drucker

To get approved for a mortgage you will often need to hire a mortgage broker to act as an intermediary between yourself and the bank. Here is some advice on what he can do for you and how best to approach the process.

Fixed Rate vs ARM

By Derren Peters

Speaking with a mortgage professional, or visiting a bank's website, will introduce a number of different mortgage packages and products designed for different types of customers (first time buyers, veterans, low-income, etc) with...

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Home Equity Loan vs Refinance Home Equity Loan vs Refinance

By Conrad Bastable

Many families consider taking out a home equity loan when looking for an additional infusion of cash ? whether it be for a new kitchen, a college education, or medical payments.

Read Full Article

Truth in Lending Act (TILA) Truth in Lending Act (TILA)

By Derren Peters

The Truth in Lending Act (TILA) was passed by Congress in 1968. It created a uniform system for calculating the terms of a consumer loan, and how that loan is explained to the public, making it easier for consumers to compare loans.

Read Full Article

What is a Mortgage Broker? What is a Mortgage Broker?

By Beth Drucker

To get approved for a mortgage you will often need to hire a mortgage broker to act as an intermediary between yourself and the bank. Here is some advice on what he can do for you and how best to approach the process.

Read Full Article

Fixed Rate vs ARM Fixed Rate vs ARM

By Derren Peters

Speaking with a mortgage professional, or visiting a bank's website, will introduce a number of different mortgage packages and products designed for different types of customers (first time buyers, veterans, low-income, etc) with custom terms. But every mortgage product is a variation of two distinct mortgage types: Fixed and Ajustable rate.

Read Full Article

National Home Values - Going Beyond The Media National Home Values - Going Beyond The Media

By Shashank Shekhar

The California real estate still faces many challenges: High unemployment, foreclosures and other distress sales are keeping negative pressure on prices. This of course is good news if you are looking to buy as low rates and lower prices have brought affordability to record levels.

Read Full Article

Private Mortgage Insurance Private Mortgage Insurance

By Beth Drucker

If you're buying a home that's expensive enough that you need to take out loans to pay for more than 80% of the cost, your lender might require that you buy Private Mortgage Insurance (PMI). Once you buy the insurance, your lender will not have to worry about you defaulting on your loan, and will therefore allow you to buy the property ? sometimes with as little as 3 or 5% down payment.

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Home Equity Loan vs Refinance Home Equity Loan vs Refinance

By Conrad Bastable

Many families consider taking out a home equity loan when looking for an additional infusion of cash ? whether it be for a new kitchen, a college education, or medical payments.

Read Full Article

Truth in Lending Act (TILA) Truth in Lending Act (TILA)

By Derren Peters

The Truth in Lending Act (TILA) was passed by Congress in 1968. It created a uniform system for calculating the terms of a consumer loan, and how that loan is explained to the public, making it easier for consumers to compare loans.

Read Full Article

What is a Mortgage Broker? What is a Mortgage Broker?

By Beth Drucker

To get approved for a mortgage you will often need to hire a mortgage broker to act as an intermediary between yourself and the bank. Here is some advice on what he can do for you and how best to approach the process.

Read Full Article

Fixed Rate vs ARM Fixed Rate vs ARM

By Derren Peters

Speaking with a mortgage professional, or visiting a bank's website, will introduce a number of different mortgage packages and products designed for different types of customers (first time buyers, veterans, low-income, etc) with custom terms. But every mortgage product is a variation of two distinct mortgage types: Fixed and Ajustable rate.

Read Full Article

Closing the Deal Closing the Deal

By Derren Peters

You did all your homework, and aligned with all the right professionals. You found the home of your dreams, made an offer and sweated out the back and forth negotiations. And now, finally - finally! - your offer has been accepted. Congrats! But through your jubilation, keep in mind there are still potential pitfalls related to the closing process.

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Applying for a Mortgage Applying for a Mortgage

By Derren Peters

As exciting as the home buying process can be, beautiful homes to view, neighborhoods to explore, and possibilities to consider, it's the not-so glamorous tasks that turn those dreams into a reality, one of which is applying for a mortgage. Whether you're approaching lenders yourself, or utilizing a mortgage broker, keep the following in mind when applying for a mortgage.

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