http://www.article-tips.com/ Mortgages tips, advice and Mortgages articles Sat, 11 Oct 2008 17:54:23 -0500 en 2007 Article-Tips.com http://www.article-tips.com/mortgages/figuring-out-investment-planning/4360 Sat, 11 Oct 2008 17:54:23 -0500 There are many things to know about investment planning - like where you should direct your money and what kind of return you should expect from your investments. And what about retirement and paying bills after you are finished working. http://www.article-tips.com/mortgages/what-fha-lenders-can/4180 Sat, 11 Oct 2008 17:54:23 -0500 Something that is not understood by many borrowers is that FHA lending is easily accessible through approved mortgage companies and lenders all over the U.S. http://www.article-tips.com/mortgages/va-eligibility/4113 Sat, 11 Oct 2008 17:54:23 -0500 As a veteran your basic VA eligibility for a VA home loan is based on your service and discharge. Depending on what VA loan eligibility benefits you have already received or whether you have received any VA benefits at all your eligibility for certain programs may be more or less limited. http://www.article-tips.com/mortgages/mortgage-refinancing/4075 Sat, 11 Oct 2008 17:54:23 -0500 If you are a current homeowner no doubt youve been inundated with mailings and phone calls convincing you that you should refinance your home and you should do it right now with the company in question. http://www.article-tips.com/mortgages/bad-credit-mortgage-foreclosures/4056 Sat, 11 Oct 2008 17:54:23 -0500 The number of homes entering the foreclosure process is on the rise. This is a serious concern given recent trends in mortgage financing that have extended credit to more economically vulnerable populations and generally weakening housing markets in many metropolitan areas. Read here some advices of preventing foreclosure. http://www.article-tips.com/mortgages/mortgage-advice-for-first/4055 Sat, 11 Oct 2008 17:54:23 -0500 Getting a first time buyer mortgage deal to fit your personal circumstances on the surface may seem a complex task but after reading this article you will understand how mortgages work and what your obligations and this will help you to choose right mortgage. http://www.article-tips.com/mortgages/mortgage-repayment-options/4054 Sat, 11 Oct 2008 17:54:23 -0500 There are a number of different ways of tackling mortgage repayments. Some may be better for you than others but this will depend on your circumstances and the risks you wish to take. Find out more about mortgage repayment. http://www.article-tips.com/mortgages/fha-lenders/4044 Sat, 11 Oct 2008 17:54:23 -0500 FHA lenders are your ticket to the many advantages of obtaining home financing through the federal FHA program to maximize your benefits with the FHA youll need to identify qualified committed and experienced U.S. and Alaska FHA loan http://www.article-tips.com/mortgages/offset-mortgage/3982 Sat, 11 Oct 2008 17:54:23 -0500 Offset mortgages provide consumers with the ability to manage their own repayment structure by allowing overpayments and underpayments. Find out advantages and disadvantages of offsetting and if you need to apply for it. http://www.article-tips.com/mortgages/what-is-reverse-mortgage/3938 Sat, 11 Oct 2008 17:54:23 -0500 Since your home is probably your largest single investment its smart to know more about reverse mortgages and decide if one is right for you. Read and decide now. http://www.article-tips.com/mortgages/what-are-the-reasons/3876 Sat, 11 Oct 2008 17:54:23 -0500 In the past years the private sector has dramatically expanded its role in the mortgage bond market but unfortunately a lot of subprime mortgage loans are defaulting. However there are some proposals for prevention bad credit mortgage booms. http://www.article-tips.com/mortgages/counseling-and-hope-for/3593 Sat, 11 Oct 2008 17:54:23 -0500 You may think that holders of a sub prime mortgage need more than just counseling - true But there is a new program out which includes counseling as part of its scheme to help distressed borrowers. http://www.article-tips.com/mortgages/time-to-hunker-down/3714 Sat, 11 Oct 2008 17:54:23 -0500 The credit situation appears to be tightening many homes have lost equity that was built up in them and oil went up to 100.00 per barrel. Sounds grim but as long as we feel that we can weather tough situations until they pass we can remain cheerful. http://www.article-tips.com/mortgages/reverse-mortgages-can-reverse/3688 Sat, 11 Oct 2008 17:54:23 -0500 Looking after an aging parent in their own home often seems to be a good solution to an awkward problem. However depending on the type of financing on the property in question things could get difficult. http://www.article-tips.com/mortgages/a-cheaper-way-to/3501 Sat, 11 Oct 2008 17:54:23 -0500 Santa Fe homes have some of the nations most advanced cooling systems thanks to the regions hot dry summers. Central air conditioning is common here but homeowners and builders who want to reduce electricity costs and environmental impact have turned to other cooling methods to get the most bang for their buck. http://www.article-tips.com/mortgages/big-spending-decide-on/3422 Sat, 11 Oct 2008 17:54:23 -0500 Many people are surprised to discover that they are unable to get a mortgage they feel they deserve. While a mortgage broker considers a variety of things when deciding how much mortgage a person is eligible for one thing that people might not expect to influence their eligibility is their existing loans. http://www.article-tips.com/mortgages/watch-that-mortgage/3038 Sat, 11 Oct 2008 17:54:23 -0500 Interest rates stay the same but watch this space regarding rising mortgage payments. Read this article for more information. http://www.article-tips.com/mortgages/headline-rates-are-not/3037 Sat, 11 Oct 2008 17:54:23 -0500 Headline interest rates donampacirct necessarily add up to the cheapest mortgage. Itampacircs the way the calculations are made that makes the difference. http://www.article-tips.com/mortgages/buy-to-let-mortgages/3036 Sat, 11 Oct 2008 17:54:23 -0500 A buy to let mortgages may become a more viable option for larger properties as a result of the new regulations affecting properties in multiple occupation. This article explains. http://www.article-tips.com/mortgages/mortgage-outfits-challenged-on/3035 Sat, 11 Oct 2008 17:54:23 -0500 Getting out of a mortgage can be a costly business because of exorbitant exit fees. But exit fees could soon be brought under control if the Financial Services Authority has its way. http://www.article-tips.com/mortgages/top-mortgage-options-to/3032 Sat, 11 Oct 2008 17:54:23 -0500 The mortgage that you choose is going to affect every single aspect of your life. Look at it this way if you are paying too much interest on your mortgage this means that you will not be able to take family vacations and it could mean you have to work more and spend less time with your family in general. For most of us this is an extreme sacrifice that we do not want to have to be making all the time. http://www.article-tips.com/mortgages/increase-the-value-of/3031 Sat, 11 Oct 2008 17:54:23 -0500 The property market is very unpredictable nowadays ampacirc sales are slower and buyers more demanding. It can therefore be difficult to make a profit on selling your home unless you think carefully about how to make it more marketable. http://www.article-tips.com/mortgages/how-online-shopping-will/3030 Sat, 11 Oct 2008 17:54:23 -0500 To more unproductive time in the car wasting even more precious petrol. Add to that the lack of parking space especially during peak periods where you have to circle. http://www.article-tips.com/mortgages/expert-warnsconsumers-beware-of/2163 Sat, 11 Oct 2008 17:54:23 -0500 As you know the media attract more viewers readers and listeners when they make a story exciting scary or dramatic. Because reverse mortgages are federally regulated loans there really isnt anything scary or dramatic about them when you know the facts. Be wary of interviews and articles that make reverse mortgages seem like a scam. The Department of Housing and Urban Development has done an excellent job of regulating reverse mortgages and they are designed to help seniors not hurt them. http://www.article-tips.com/mortgages/home-equity-hiding-in/2162 Sat, 11 Oct 2008 17:54:23 -0500 One of the most valuable assets you may have is not your stocks and bonds and your diamonds but your home. If you are like many individuals you are not aware of the hidden value of the equity in your home. There are many ways to use this equity. We can only talk about a few of the most popular ones. http://www.article-tips.com/mortgages/mortgages-explained/2161 Sat, 11 Oct 2008 17:54:23 -0500 There are 4 main mortgage programs available on the market today fixed rate adjustable rate interest only and option arms. In order to understand how these mortgages can affect you letamp039s take a look at how they work. http://www.article-tips.com/mortgages/mortgage-closing-cost/2160 Sat, 11 Oct 2008 17:54:23 -0500 In some states the buyer and seller split the mortgage closing cost. In others the seller pays for your title insurance and you pay for the lenders title insurance. Each state has its own policy on how mortgages are handled so it would be in your best interest to check this out especially if you are buying property in another state. http://www.article-tips.com/mortgages/reverse-mortgageswait-just-a/2159 Sat, 11 Oct 2008 17:54:23 -0500 The marketplace is changing so rapidly in one of the fastest growing sectors of lending-reverse mortgages-that it might be well worth your while to catch your breathe and wait a minute or two and let the dust settle. Things are only going to get better. http://www.article-tips.com/mortgages/subprime-lenders-gone-too/2158 Sat, 11 Oct 2008 17:54:23 -0500 Remember when a 20 down payment was expected when purchasing a house. Sometimes with stellar credit and maybe a special situation like a first-time home buyer you could get in with a 10 down payment. I recall a few weeks after my wife and I purchased our first home - both cars broke down. Everything had to take a back seat to saving for that down payment - shoe shopping night out with the boys maintaining the cars everything. Subprime loans put an end to that nonsense. http://www.article-tips.com/mortgages/speed-up-the-mortgage/2157 Sat, 11 Oct 2008 17:54:23 -0500 Are you thinking about purchasing a home or refinancing your mortgage This process is never easy. There are however steps you can take to make the process go smoother and faster. Here are some things to avoid during the home mortgage application process to assure your transaction goes as smoothly as possible http://www.article-tips.com/mortgages/refinance-your-mortgage-without/2156 Sat, 11 Oct 2008 17:54:23 -0500 If you have equity built up in your home through the increasing value of real estate or through improvements you made you might walk away from the refinance with no closing cost and money in your pocket to spend as you wish. If you have a FRM that is at least 0.5 above the current interest rate you can benefit from checking out the possibilities of refinancing your home. If you can afford to pay off a portion of the mortgage when you refinance it will help you cut years off the term. http://www.article-tips.com/mortgages/availing-of-a-bad/2155 Sat, 11 Oct 2008 17:54:23 -0500 Bad credit home equity loans allow people to borrow against their real property even if they do not have a good credit rating. No human being is perfect. Even the most brilliant accountant has got to mess up his or her budget sometime. Thats why a persons bad past credit should not be held against him or her. http://www.article-tips.com/mortgages/tips-on-checking-mortgage/2154 Sat, 11 Oct 2008 17:54:23 -0500 If you are considering re-financing your mortgage the internet is a good place to start. One of the benefits is being able to compare mortgage refinancing rates from various mortgage companies.