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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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 […]

Finding The Home Of Your Dreams: Three Factors That Affect Loan Rates

Monday, September 9, 2013, 1:00 AM | 1 Comment

Almost everyone, except for the very wealthy, will have to apply for a home loan in order to purchase the house of their dreams. Over the course of the loan, small differences in the loan rate cause dramatic swings in the total cost of the repayment of the loan, meaning tens of thousands of dollars […]

What You Should Know When Buying Your First Home

Tuesday, September 3, 2013, 1:00 AM | 1 Comment

The prospect of buying a home for the first time can be a very exciting one indeed. However, rushing into a decision, or failing to take the proper precautions before buying a home can also be a big mistake. Fortunately, there are some basic tips that all first-time home buyers can keep in mind to […]

When to Refinance? Four Situations You Wouldn’t Have Thought Of

Friday, July 26, 2013, 1:00 AM | Leave Comment

There are good reasons to refinance your mortgage, and there are moments when refinancing may not be your best option. Most people refinance their home loans to lower their monthly payments, but there are other situations where getting a mortgage refinanced is actually a very good idea. Shorten The Term If you are having no […]

Tips How To Get Mortgage Loan At Lowest Possible Rate

Wednesday, June 19, 2013, 1:00 AM | Leave Comment

The most important and probably the only criterion for getting mortgage loan at the most favorable and lowest rate is to improve and raise your credit score to as high as you possibly can. The higher the score, the lower the interest rate. Of course, at both ends of the spectrum, as with anything else, […]