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Who Owns My Mortgage Loan – my Lender or Freddie Mac? 20 Aug 2013 | 02:01 pm
“Who owns my mortgage loan?” This is not an unusual question, but the answer is not as straightforward as you might think it to be. The owner of your mortgage loan is almost certainly not the person y...
Joint Mortgages: The Pros and Cons of a Joint Mortgage 15 Aug 2013 | 10:03 am
Joint mortgages can be beneficial in terms of qualifying for a larger loan, but there are also some disadvantages to this arrangement. Here we shall discuss why people agree to joint mortgages, and al...
Mortgage Prepayment Penalties Basics 13 Aug 2013 | 01:04 pm
Mortgage prepayment penalties are still applied to certain mortgage accounts, even though they are not as common as they were a few years ago. Fundamentally, a prepayment penalty is an agreement betwe...
Moving Home: Should You Buy First or Sell First? 8 Aug 2013 | 11:13 am
When selling your home it is always best to make sure you have somewhere to live when your home sells. Sure, you might have plans to rent between selling your current home and buying your new home, bu...
What to Avoid when Seeking a Mortgage 6 Aug 2013 | 02:01 pm
There are many things to avoid when seeking a mortgage. One issue to avoid is that the interest rate quoted by phone will be applied at closing, and another is to compare mortgage rates on different d...
Negative Equity, How it Happens and How to Avoid It 2 Aug 2013 | 10:39 am
Fundamentally, negative equity is the situation where the value of your home is less than the amount you still owe on your mortgage. This can be a severe burden on you if you want to move and you find...
Applying for a Mortgage When Self-Employed 31 Jul 2013 | 04:26 pm
When applying for a mortgage when self-employed, a major factor is to declare as much income as you can. It is not uncommon for the self-employed to claim as many expenses as they can against their in...
Saving on Homeowners Insurance Costs 29 Jul 2013 | 11:47 am
Saving on homeowners insurance costs is not particularly easy, but you can save if you take some time to do it. Shopping around is the most obvious way, but when comparing prices make sure you offer e...
Escrow Accounts and Why You Need Them 25 Jul 2013 | 03:04 pm
Escrow accounts are a means of paying small regular sums of money to cover large sums required at regular intervals such as annual homeowners’ insurance payments. Escrow is a good way to make sure yo...
Paying Cash for a Home: Is it Worth Doing? 17 Jul 2013 | 10:08 am
Paying cash for a home would seem to be the ideal way to purchase real estate. No mortgage, so no monthly repayments to worry about. So why is that that those who can afford to do so often decide to ...
