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Mortgage Articles

Information on Short Sales, Foreclosures, and Mortgage Loans

• Pay Off Your Mortgage Early Save thousands in interest by paying off your mortgage early using some of our payment techniques.


• Short Sale - An Alternative to a Forclosure If you are upside down on your mortgage, a short sale might be a good alternative to going through a foreclosure.


• Facing Foreclosure? Consider These Alternatives Many homeowners are facing a foreclosure on their home. We have some tips on how you might be able to avoid a foreclosure.


• Balloon Loans - Are They Right For You? When buying a home, there are a lot of loan products offered by banks and other lending institutions. Is a balloon loan right for you?


• What is a Loan Modification A loan modification is another method you can use to avoid a foreclosure. Read this article to see if a loan mod can save your house.


• How to Apply for a Loan Modification If you are going to approach the bank regarding a loan mod, make sure you know how to apply for one.


• Should I Buy a Home with Bad Credit? If you have bad credit, we have some suggestions for you to clean up your credit so you can qualify for a home loan.


• Reverse Mortgages This type of mortgage is very popular with retired homeowners. But, make sure you read all the facts first before you dive into this type of loan.


• VA Loans - Benefits and Qualification Requirements Military veterans have access to a wonderful loan product supported by the federal government.


• The Subprime Mortgage Meltdown: Find Help Using the "Hope Now" Initiative This is a relief initiative signed by President Bush to help homeowners who are upside down on their mortgages.


• What is a Second Mortgage? A second mortgage can help you pay your debts but make sure to use it wisely.

General Home Loan Information

• Uniform Settlement Statement Or commonly called HUD-1 Form, itemizes all charges to be paid by a borrower and a seller at the settlement.


• Truth in Lending Statements This statement outlines fees and costs associated with your loan. See how to read this statement.


• Why Does the Bank Keep Selling My Loan? Do you keep getting notices in the mail that a new lending institution now controls your loan? Find out why.


• Broker vs Banker When getting a mortgage, which is better to use - a broker or a banker. We will tell you the difference between the two.


• What Are the Real Costs of a Loan? This article shows you how a mortgage broker really makes his money on your loan.


• Loan Criteria There are different types of loans out there - see which one you will qualify for when buying your house.


• Underwriting Guidelines What banks and other lending institutions use to rate you as a borrower.


• Do I Have "A" Credit? Learn how to rate your credit score to see if you have a tier one credit rating.


• Should I Lock My Rate There are defininte advantages to locking in your interest rate when applying for your mortgage loan.


• Homebuyer's Dictionary Is all this home buying jargon over your head? See our list of commonly used terms in the mortgage business and what they mean.


• Mortgage Calculators See what your mortgage payment will be with our easy to use free calculators.