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 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, […]

Energy Efficient Mortgages Made Simple (EEM)

Tuesday, June 4, 2013, 1:00 AM | Leave Comment

Energy efficient mortgages (EEMs, sometimes known as “green mortgages”) are loans that allow homeowners to finance energy-efficient upgrades for their current home or in a new home purchase. The cost of the upgrades is rolled into the mortgage so that multiple loans are not needed. An EEM allows lenders to extend borrowers’ debt-to-income qualifying ratio, […]

The Versatility of Mortgage Finance Loan

Tuesday, May 28, 2013, 1:00 AM | 1 Comment

The rates of mortgages are increasing since last two weeks but it’s not a big worry for those who still have not applied for mortgages. The mortgage rates are historically low even after such a nominal increase. The interest rate for a 30-year fixed mortgage loan increased from 3.42% to 3.51% in second week of […]

How to Get a Better Deal on Your Mortgage

Saturday, May 11, 2013, 1:00 AM | 8 Comments

Housing values are expected to become sluggish in the coming months, with investment analysts predicting a reduction in the growth of bonds by between two and four percent. On a happier note, interest rates are being pushed down, giving investors the chance to inject their investment efforts into property – an asset that forms a […]

Help Is Click Away For Home Searching

Saturday, February 16, 2013, 2:00 AM | Leave Comment

Buying a home can be an overwhelming experience, and it starts with your initial search. At times, it can be very annoying and frustrating. The best thing to do is save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for […]