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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Time Is Right To Refinance But Not For Everyone

Friday, July 2, 2010, 4:55 AM | 7 Comments

For the week ending June 24, the 30-year fixed-rate mortgage (FRM) averaged a record low 4.69%, down from 4.75% the week before and 5.42% a year ago, according to Freddie Mac’s weekly survey. The reason for the falling rate might be that credit is still not readily available for a variety of reasons, the biggest […]

Mortgage Fraud – Risk To Economic Stability

Friday, June 18, 2010, 8:36 AM | Leave Comment

Whether it’s recession or booming economy, there is always some kind of fraud being committed at any given time and place. The rate of scams goes up especially during recession. The reason is that a lot of folks are going through tough times. Sometimes they get to be so desperate that some folks lose the […]

Low Rates And Price Stabilization Lead To Housing Recovery

Friday, May 7, 2010, 4:01 AM | 4 Comments

There are signs that low mortgage rates and stabilization in home prices could eventually lead the housing market back toward long-term growth averages. As we all know over the past few years, the housing market has been hit with lightening [along with fear of thunderstorm] from the sub-prime credit crisis and the resulting global financial […]

Leading Indicators For Housing Market Send Mixed Signals

Tuesday, April 27, 2010, 4:30 AM | 1 Comment

Economists and housing market experts suggest there are many leading indicators to tell us whether the housing market is on a rebound. That means they can forecast the direction the economy is headed – up or down. However, none of the leading indicators by itself truly predicts the future of the housing market. Therefore, we […]

Tips How To Ease Your Mortgage Monthly Payments

Tuesday, April 13, 2010, 5:23 AM | 2 Comments

Because of the depressed economy and perhaps your jobless situation, you are having increasingly hard time to pay your monthly mortgage. On top of that, your home might not be worth as much as when you first bought it or perhaps refinanced it. Or it has become underwater mortgage and you don’t wanna sell it […]

Brisk Home Sales May Be A Result Of Brisk Foreclosures

Monday, March 22, 2010, 5:45 AM | Leave Comment

In numerous parts of the country, many more mortgage foreclosures have come to see the light of the day, or perhaps the darkness of the night. That has created a market for buyers who can afford to buy the dwellings at a reduced – in some cases, much reduced – price. In the opinion of […]

3 Tips How To Do Accurate Research For Mortgage Refinancing

Monday, March 15, 2010, 12:05 AM | Leave Comment

As a homeowner, this might be a good time as any to refinance your existing mortgage. The interest rate is low, probably as low as it will ever get. Before you talk to your mortgage lender, I suggest you do research on your own. Homeowners who are considering re-financing but are not knowledgeable about the […]

10 Easy Steps To Finding The Best Mortgage Lender

Saturday, February 13, 2010, 1:54 AM | Leave Comment

When you need the best financial adviser, you look for the best. When you need a good tax preparer, you find a good one. On the same token, when you look for a good and an effective mortgage lender, you look for the best mortgage lender. These days, because of the so many scams going […]

Foreclosure Does Not Necessarily Mean Zero Mortgage Balance

Thursday, February 4, 2010, 2:45 AM | 3 Comments

Media have reported millions of homes that have been foreclosed by banks the past year or so. That does not necessarily mean, after the foreclosure, the homeowners are off the hook from then on and the mortgage balance would automatically come down to zero. In cases where the bank auctioned off the home for less […]

Don’t let Willie’s mortgage story be your outcome

Saturday, January 9, 2010, 1:01 AM | Leave Comment

Before I say anything further, I want to mention that an overwhelming majority of the mortgage refinancing companies – in any shape or form – have legitimate businesses and that includes your neighborhood bank as well. They will help you refinance your home without any questionable action on their part and within the law, fair […]