Wikipedia defines mortgage as: "While a mortgage in itself is not a debt, it is the lender's security for a debt." However it is considered good debt for consumers. When handled correctly, it can be and usually is your livelihood.

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How to Determine Your Limit When Shopping for a Home

Tuesday, March 11, 2014, 1:00 AM | Leave Comment

Purchasing a new home is a fascinating idea for many people. Acquiring a new residence will be one of the biggest decisions you will make in your life. It is imperative that you keep a few things in mind when it comes to shopping for a home. For example, it is important that you learn […]

Can a Cash-Out Refinance Help You Meet Your New Year’s Goals?

Thursday, March 6, 2014, 1:00 AM | 4 Comments

It’s a whole New Year, and that means New Year’s resolutions! But while some people are content to stick to traditional resolutions like cutting out junk food or spending more time at the gym, there are others have their sights set on a much bigger financial game for 2014 — namely, doing what it takes […]

Five Ideas for Getting a Better Deal on Your Mortgage

Friday, February 7, 2014, 1:00 AM | Leave Comment

Many people want their mortgages to be as low as possible. This article contains five great ways that a person can use to get a better deal on his or her mortgage. Improve Your Credit When a bank gives out a mortgage, it is taking a risk. In order to minimize that risk, a bank […]

Wisest Ways to Finance for a New House

Sunday, February 2, 2014, 1:00 AM | 1 Comment

Financing a house purchase does not have to be an arduous task. A borrower’s income, assets, credit score, and area in which a house is located, can all have a substantial effect on financing options. There are several wise ways to finance a house. An FHA loan, investing in mortgage points, and getting into optimal […]

Making Mortgage Work: Tips for Financing Your New Home

Saturday, January 25, 2014, 1:00 AM | Leave Comment

Going through the process of financing a home is not the same as it used to be several years ago. Due to many changes in the banking and finance industry, obtaining home financing has become more difficult, and much more restrictive. However, there are programs available to assist in making the experience of a new […]

How To Save Money On Your Home Mortgage

Tuesday, November 26, 2013, 1:00 AM | 1 Comment

Only a very small percentage of home buyers can afford to pay cash for a house. Most have to finance their home. If you do not have sufficient savings, or you do not want to tie up funds that you might need to use elsewhere, you will need to get a home mortgage. While you […]

Home-Buying Search Can Be Annoying

Tuesday, November 19, 2013, 1:00 AM | 2 Comments

A few years ago, we decided to move out from our neighborhood and go to another one with woods and more privacy in the back. We had lived in the previous home for more than 20 years and the house was all paid for. We started to look around, first just driving in the nearby […]

Breaking Free: What to do When Your Mortgage is Underwater

Thursday, November 14, 2013, 1:00 AM | 1 Comment

Even with the housing market coming back, many people are still underwater with their mortgages. Because the loan-to-value number is malfunctioning, the banks won’t refinance, and to many people, it looks hopeless. With that being said, it is very important to review your credit options before walking away from your underwater mortgage. First, know your […]

How to Get the Best Mortgage For Yourself

Friday, October 25, 2013, 1:00 AM | 1 Comment

Mortgage rates are a tricky business if you don’t know what you are looking for. For sometime this year, the interest rates had swung upwards and now they seem to be settling down again. However, with mortgage rates one can never tell. So before going in for a mortgage, there are always some things that […]

Beware Lest You Become Victim Of Mortgage Fraud

Wednesday, October 9, 2013, 1:00 AM | 1 Comment

Dictionary defines fraud in its simplest form as deliberate misrepresentation and deception of anything – person or material. Immoral, unethical and outright violation of the law has been reported in the media over the last few years in industries such as mortgage, banking, and other financial sectors. One of the frauds that the Federal Bureau […]