Mortgages Newsletter Archive

September 17, 2010 Issue 236: Second Mortgage Beneficial for Home Improvements
September 10, 2010 Issue 235: Second Mortgage Different From Home Equity Line-Of-Credit (HELOC)?
September 3, 2010 Issue 234: Fees and Closing Costs for a Second Mortgage
August 27, 2010 Issue 233: Second Mortgage vs. First Mortgage Details
August 20, 2010 Issue 232: Second Mortgage or Equity Loan
August 13, 2010 Issue 231: Information Needed to Apply for a “Government” Mortgage Loan
August 6, 2010 Issue 230: Information Needed to Apply for an Investment Property Mortgage
July 30, 2010 Issue 229: Average Time Period to Get an Approval and Close a Mortgage Loan
July 23, 2010 Issue 228: Apply With More Than One Mortgage Lender?
July 16, 2010 Issue 227: Apply for a Mortgage Loan With Less Than Perfect Credit
July 9, 2010 Issue 226: Cost to Apply for a Mortgage Loan
July 2, 2010 Issue 225: “Full Documentation” and a “Stated Income and Assets” Mortgage Loan
June 25, 2010 Issue 224: Information You Need to Apply for a Mortgage
June 18, 2010 Issue 223: Internet Mortgage Application Tips
June 11, 2010 Issue 222: “Government” Mortgages
June 4, 2010 Issue 221: “Negative Amortization” Mortgage
May 28, 2010 Issue 220: Advantages of a 15-year Mortgage
May 21, 2010 Issue 219: Interest-Only Mortgages
May 14, 2010 Issue 218: Less Than 30-year Mortgage Options
May 7, 2010 Issue 217: Fixed Rate vs. Adjustable Rate Mortgages
April 30, 2010 Issue 216: Owner Occupied Property vs. Investment Property
April 23, 2010 Issue 215: Single Family, Condominium, and Multi-Family Home Mortgages
April 16, 2010 Issue 214: How to Qualify for a Home Loan
April 9, 2010 Issue 213: Use a Realtor Or Do It Yourself?
April 2, 2010 Issue 212: Pre-Paid Interest Explained
March 26, 2010 Issue 211: Condo, Multi-Family or Single Family Home?
March 19, 2010 Issue 210: Government Mortgages Explained
March 12, 2010 Issue 209: The Two Most Important Things to Consider as a First Time Home Buyer
March 5, 2010 Issue 208: Origination, Loan Discount, and Junk Fees
February 26, 2010 Issue 207: First Time Home Buyer Programs
February 19, 2010 Issue 206: What Questions Should I Ask?
February 5, 2010 Issue 205: Where Do I Start?
January 29, 2010 Issue 204: The Difference Between a Home Equity Loan and a Home Improvement Loan
January 22, 2010 Issue 203: Equity Definition and Common Loan Maximums
January 15, 2010 Issue 202: Cost to Get a Home Equity Loan
January 8, 2010 Issue 201: Use a Home Equity Loan Instead of a First Mortgage Refinance
January 1, 2010 Issue 200: How a Home Equity Line-of-Credit Works
December 25, 2009 Issue 199: How a Home Equity Loan Works
December 18, 2009 Issue 198: Home Equity Loan or Line-of-Credit?
December 11, 2009 Issue 197: No Points/No Closing Cost Loan vs. Lower Rate Loan
December 4, 2009 Issue 196: Who Do You Trust?
November 27, 2009 Issue 195: Compare Short Term vs. Long Term Cost
November 20, 2009 Issue 194: Points Charged or Earned by Your Mortgage Source
November 13, 2009 Issue 193: Mortgage Broker/Company or a Bank?
November 6, 2009 Issue 192: Mortgage Shopping Techniques
October 30, 2009 Issue 191: Fixed Rate vs. Adjustable Rate
October 23, 2009 Issue 190: Interest Rate Comparisons
October 16, 2009 Issue 189: How to Compare Closing Costs
October 9, 2009 Issue 188: How to Compare Purchase Mortgages
October 2, 2009 Issue 187: How Long Must You Keep a Bad Credit Mortgage?
September 25, 2009 Issue 186: Using the Internet to Find a Bad Credit Mortgage
September 18, 2009 Issue 185: Fix Your Credit to Get a Good Mortgage
September 11, 2009 Issue 184: Closing Costs And Bad Credit
September 4, 2009 Issue 183: Best Options If You Have Bad Credit
August 28, 2009 Issue 182: Bad Credit Fixed Rate Mortgage
August 21, 2009 Issue 181: Credit Reports
August 14, 2009 Issue 180: Bad Credit Defined
August 7, 2009 Issue 179: Negotiating the Lowest Mortgage Rate Possible
July 31, 2009 Issue 178: Refinancing Your Bad Credit Mortgage
July 24, 2009 Issue 177: Refinancing a Mortgage with Bad Credit
July 17, 2009 Issue 176: Choosing Between Bad Credit Mortgages
July 10, 2009 Issue 175: Need a Mortgage with Bad Credit? Not the End of the World
July 3, 2009 Issue 174: Finding Bad Credit Mortgages Online
June 26, 2009 Issue 173: Avoid Needing a Bad Credit Mortgage – Fix Your Credit Now
June 19, 2009 Issue 172: Fixed or ARM – Choose with a Mortgage Interest Calculator
June 12, 2009 Issue 171: 15 or 30 Year Mortgage? The Answer is in a Mortgage Amortization Calculator
June 5, 2009 Issue 170: Refinancing? Use a Mortgage Payment Calculator
May 29, 2009 Issue 169: Getting an ARM – Get a Mortgage Interest Calculator
May 22, 2009 Issue 168: Compare Loans with a Mortgage Amortization Calculator
May 15, 2009 Issue 167: Following Changes with an Interest Only Mortgage Calculator
May 8, 2009 Issue 166: Using a Mortgage Payment Calculator
May 1, 2009 Issue 165: Getting a ‘Flexible' Interest Only Mortgage
April 24, 2009 Issue 164: Things to Know About Your Adjustable Rate Mortgage
April 17, 2009 Issue 163: Mortgages – 3 Important Factors
April 10, 2009 Issue 162: Choosing an Interest Only Mortgage Option
April 3, 2009 Issue 161: Hurricane Damage? Use a Home Improvement Loan to Fix it Up
March 27, 2009 Issue 160: Tax Benefits of Home Mortgages
March 20, 2009 Issue 159: Student Loans? Pay Them Off From Your Home Mortgage
March 13, 2009 Issue 158: What to Do When You Miss a Home Loan Payment
March 6, 2009 Issue 157: Take Advantage of Low Rates – Get a Home Improvement Loan
February 20, 2009 Issue 156: Getting a Lower Private Mortgage Insurance Rate
February 13, 2009 Issue 155: Finding a PMI Mortgage Calculator Online
February 6, 2009 Issue 154: The Purpose for Private Mortgage Insurance
January 30, 2009 Issue 153: How to Terminate PMI Quicker
January 23, 2009 Issue 152: What Determines a Private Mortgage Insurance Rate
January 16, 2009 Issue 151: How to Decide to Refinance Your Home
January 9, 2009 Issue 150: Refinance Loan May Stabilize Your Interest Rate
January 2, 2009 Issue 149: Build Equity in Your Home More Quickly
December 26, 2008 Issue 148: Lower Monthly Payments May Cost You in the Long Run
December 19, 2008 Issue 147: When is the Best Time to Refinance?
December 12, 2008 Issue 146: Get the Best Lender for a Home Equity Loan
December 5, 2008 Issue 145: HUD's Version of the Equity Loan Appeals to Seniors
November 28, 2008 Issue 144: Spend Equity Loans Wisely
November 21, 2008 Issue 143: Borrowers May Rely Too Heavily on Home Prices Rising
November 14, 2008 Issue 142: Mortgage Calculators Have Many Uses
November 7, 2008 Issue 141: Go Online to Find Quotes on Home Loans
October 31, 2008 Issue 140: HomePath is Fannie Mae's Online Guide for Homebuyers
October 24, 2008 Issue 139: Online Mortgage Loan Advice Helps Consumers
October 17, 2008 Issue 138: Mortgage Calculators Help Figure Your Costs
October 10, 2008 Issue 137: You May Want to Lock in Your Interest Rate
October 3, 2008 Issue 136: Fannie Mae Partners Offer Automated Underwriting
September 26, 2008 Issue 135: Seek Help with Big Concerns About Your Equity Loan
September 19, 2008 Issue 134: Home Equity Loan Comes with Cooling Off Period
September 12, 2008 Issue 133: Beware of High-Cost Lenders Offering Equity Loans
September 5, 2008 Issue 132: Shop Around for the Best Home Equity Loan
August 29, 2008 Issue 131: Renovate Your House with a Home Equity Loan
August 22, 2008 Issue 130: Lenders Feel Safe with Home Equity Loans
August 15, 2008 Issue 129: Improve Your Standing with Lenders
August 8, 2008 Issue 128: Mortgage Companies Assign Credit Grades
August 1, 2008 Issue 127: Agencies Helps Homebuyers with Complaints
July 25, 2008 Issue 126: Review Your Property Appraisal for Accuracy
July 18, 2008 Issue 125: Learn Why Your Mortgage Application Was Turned Down
July 11, 2008 Issue 124: Don't Be the Victim of a Bad Credit Mortgage
July 4, 2008 Issue 123: Mortgage Applicants Protected from Discrimination
June 27, 2008 Issue 122: Lenders Accept Various Income Sources
June 20, 2008 Issue 121: Let Lenders Know the Reason for Bad Credit
June 13, 2008 Issue 120: Make Sure Your Mortgage Application Gets Considered
June 6, 2008 Issue 119: Fees May Be Charged for Second Mortgages
May 30, 2008 Issue 118: Repayment Terms Vary for Second Mortgages
May 23, 2008 Issue 117: Know the Difference Between Adjustable and Fixed Rates
May 16, 2008 Issue 116: Know What Your Monthly Payments Cover
May 9, 2008 Issue 115: Second Mortgages Versus Home Equity Lines
May 2, 2008 Issue 114: Don't Let Bad Credit History Deter You
April 25, 2008 Issue 113: FTC Helps Home Buyers With Concerns
April 18, 2008 Issue 112: Negotiate Lower Costs for Your Home Loan
April 11, 2008 Issue 111: Some Lenders Accept Lower Down Payments
April 4, 2008 Issue 110: Learn the Industry Jargon When Buying a Home
March 28, 2008 Issue 109: Expect Fees with Home Loans
March 21, 2008 Issue 108: Comparison Shop With Different Lenders
March 14, 2008 Issue 107: Learn How Mortgage Rates Vary
March 7, 2008 Issue 106: Shop Around for Home Purchase Loans
February 29, 2008 Issue 105: Using a PMI Mortgage Calculator Online
February 22, 2008 Issue 104: Avoid Private Mortgage Insurance – Piggyback Two Loans
February 15, 2008 Issue 103: Removing Your PMI
February 8, 2008 Issue 102: What is PMI?
February 1, 2008 Issue 101: Resubmitting a Mortgage Application
January 25, 2008 Issue 100: See It All – Get a Mortgage Application Online and from a Broker
January 18, 2008 Issue 99: Three Things Not To Forget in Your Mortgage Application
January 11, 2008 Issue 98: Include Closing Costs and Points in a Refinance?
January 4, 2008 Issue 97: Alternatives to Fixed Rates for Second Mortgages
December 28, 2007 Issue 96: Payoff Term of a Second Mortgage
December 21, 2007 Issue 95: Some Good Reasons to Get a Second Mortgage Loan
December 14, 2007 Issue 94: Problems With Getting a Bad Credit Mortgage
December 7, 2007 Issue 93: Records Needed to Get a Bad Credit Mortgage
November 30, 2007 Issue 92: How To Use a Mortgage Calculator
November 23, 2007 Issue 91: Adjustable Rate Mortgage Interest Rate Changes
November 16, 2007 Issue 90: Best or Worst Time to Apply or Lock an Interest Rate?
November 9, 2007 Issue 89: A Home Equity Is Usually the Same as a Second Mortgage
November 2, 2007 Issue 88: Advantages of a Home Equity Loan
October 26, 2007 Issue 87: Best Uses For a Home Equity Loan
October 19, 2007 Issue 86: Expect Fees When You Refinance Your Home
October 12, 2007 Issue 85: If You've Improved Your Credit, Consider Refinancing
October 5, 2007 Issue 84: What to Expect with a Refinance Mortgage
September 28, 2007 Issue 83: Researching Refinance Rates
September 21, 2007 Issue 82: Basic Rules for Getting a Home Loan
September 14, 2007 Issue 81: Explanation of Closing/Settlement Costs
September 7, 2007 Issue 80: Understand RESPA And Why It Is Important
August 31, 2007 Issue 79: How to Know an Interest Rate is “Legitimate”
August 24, 2007 Issue 78: Interest Rate Increases After Application
August 17, 2007 Issue 77: Refinancing Your High Interest Mortgage
August 10, 2007 Issue 76: Mortgage Brokers Do the Shopping for You
August 3, 2007 Issue 75: Mortgage Company, Broker, Bank, or Credit Union
July 27, 2007 Issue 74: Locating a Mortgage Calculator
July 13, 2007 Issue 73: How to Apply For a Mortgage in Florida
July 6, 2007 Issue 72: Downloading a Mortgage Application Form Online
June 29, 2007 Issue 71: Differences in a Refinance Mortgage Application
June 22, 2007 Issue 70: How to Apply for a Mortgage Online
June 15, 2007 Issue 69: Getting It Right the First Time Home Buying
June 8, 2007 Issue 68: Interest Only – A Popular First Time Home Buyer Program
June 1, 2007 Issue 67: Look For Flexibility in First Time Home Loans
May 25, 2007 Issue 66: Making the Most of Your First Time Home Buying Experience
May 18, 2007 Issue 65: Low Down Payments with a First Time Home Buyer Program
May 11, 2007 Issue 64: First Time Home Buyer? Shop Around
May 4, 2007 Issue 63: Retirement Planning with a Home Equity Line of Credit
April 27, 2007 Issue 62: Don't Get Frustrated with your Mortgage Application
April 20, 2007 Issue 61: Take The Max with Your Home Equity Line of Credit
April 13, 2007 Issue 60: When to Look Into Home Equity Loans
April 6, 2007 Issue 59: Shopping for Equity Loans Online
March 30, 2007 Issue 58: Finding Today's Current Mortgage Rate
March 23, 2007 Issue 57: The Best Way to Lower Mortgage Rates
March 16, 2007 Issue 56: Refinancing Rates for Mobile Homes
March 9, 2007 Issue 55: Shop Around
March 2, 2007 Issue 54: Which loan to choose
February 23, 2007 Issue 53: Spend Less Each Month – Refinance Your Mortgage
February 16, 2007 Issue 52: Prepayment Penalties on Adjustable Rate Mortgages
February 9, 2007 Issue 51: The Best Refinance Mortgage Options
February 2, 2007 Issue 50: Refinancing Home Mortgages to Extend Your Term
January 26, 2007 Issue 49: Cash Out Refinance Rates
January 19, 2007 Issue 48: About Rate & Term Refinancing Rates
January 12, 2007 Issue 47: Interest Only Equity Loans – Quick Cash and Low Payments
January 5, 2007 Issue 46: Investing Your Home Equity Loan Wisely
December 29, 2006 Issue 45: Home Loan Basics
December 22, 2006 Issue 44: Finding a No Closing Cost Home Equity Loan
December 15, 2006 Issue 43: Refinance – Fixed or ARM
December 8, 2006 Issue 42: Refinancing a Home Loan with an Interest Only Option
December 1, 2006 Issue 41: Apples to Apples - Comparing Home Loans
November 24, 2006 Issue 40: Getting Home Mortgages Online – Safe and Swift
November 17, 2006 Issue 39: Funding the Costs of Your Reverse Mortgage
October 27, 2006 Issue 38: Benefits of a Mortgage Calculator
October 20, 2006 Issue 37: Consolidating Your First and Second Mortgages
October 13, 2006 Issue 36: Paying Off Your Mortgage Loan Early
October 6, 2006 Issue 35: Consolidating Home Loans to Save Each Month
September 29, 2006 Issue 34: Home Improvements? Cash Out Refinancing!
September 22, 2006 Issue 33: Advantages to Using Mortgage Brokers
September 15, 2006 Issue 32: Advantages to a Bad Credit Mortgage
September 8, 2006 Issue 31: Getting Your First Home Mortgage
September 1, 2006 Issue 30: Don’t Get Greedy – Lock In The Current Mortgage Rate
August 25, 2006 Issue 29: Have We Seen the Lowest Mortgage Rates
August 18, 2006 Issue 28: Finding the Lowest Rates on Bad Credit Mortgage Loans
August 4, 2006 Issue 26: First Time Home Loans Are Easy to Find
July 21, 2006 Issue 25: Adjustable Mortgages – Risk vs. Reward
July 14, 2006 Issue 24: Choosing a Mortgage Broker
July 7, 2006 Issue 23: The Fastest Way to Obtain a Mortgage Loan
June 30, 2006 Issue 22: Finding an Online Mortgage Calculator
June 23, 2006 Issue 21: Need Cash to Pay Off Old Bills? Take a Bad Credit Second Mortgage
June 16, 2006 Issue 20: Home Improvements? Take a Second Mortgage
June 9, 2006 Issue 19: Submitting a 2nd Mortgage Application Online
June 2, 2006 Issue 18: Applying for Bad Credit Mortgage Loans
May 26, 2006 Issue 17: 30-Year Mortgage Rates Expected to Continue Rising
May 19, 2006 Issue 16: Hud Discussing Changes to RESPA
May 12, 2006 Issue 15: Rate Hikes Help Stabilize Market
May 5, 2006 Issue 14: Second Home Financing Trends Recently Reported
April 28, 2006 Issue 13: U. S. Foreclosures Continue to Rise
April 21, 2006 Issue 12: Refinancing a Land Contract
April 14, 2006 Issue 11: Borrowing with Bad Credit
April 7, 2006 Issue 10: Mortgage Refinancing
March 31, 2006 Issue 9: 3 Reasons to Use a Realtor as a First Time Home Buyer
March 17, 2006 Issue 8: 3 Benefits to Home Equity Loans
March 10, 2006 Issue 7: Paying Off a Home Mortgage Early – A Road Map
March 3, 2006 Issue 6: 3 Quick Steps to Completing a Mortgage Application Online
February 24, 2006 Issue 5: Buying Down Mortgage Rates
February 17, 2006 Issue 4: Choosing a Mortgage Term
February 10, 2006 Issue 3: 3 Reasons to Refinance Before it is Too Late
February 3, 2006 Issue 2: 3 Tips to Using an Interest Only Mortgage Calculator
January 27, 2006 Issue 1: 3 Ways to Avoid PMI
Not finding the advice and tips you need on this Mortgages Tip Site? Request a Tip Now!


Guru Spotlight
Phyllis Serbes