Mortgages Archives

4 Things You Should Know About FHA Loans
By: Miranda Marquit

FHA loans are more popular now than they have been for years. With mortgage lenders tightening their standards and requiring larger down payments, the 3.5% down payment required for an FHA loan seems down-right generous. Read more»

Mortgage Trends This Week: Nov. 2
By: Brian O'Connell

With both key fixed-rate mortgage indices holding firm this week, time may be finally running out on the long-running interest decline of 2009. Why would lower rates be on the clock? Inflation — finally — may be awakening from a long slumber, and waking up higher mortgage rates with it. Read more»

Mortgage Shopping? Save Money, Pay Points
By: Jeff Brown

Ask a mortgage shopper if he or she plans to pay points and you’re likely to get one of two reactions: a puzzled look or a snort of dismissal. But in today’s market conditions, paying points is worth serious consideration. It doesn’t make sense to take out a new mortgage unless you plan to keep it for a number of years, perhaps long enough to make points pay. Read more»

Your Blueprint for Buying a Condo
By: Brian O'Connell

If you’re out of a job, nervous you might lose one or have simply decided enough is enough, ditching that big McMansion and downsizing to a condo might be a good idea. Prices are low, inventory is high and you might sleep better at night knowing you have a smaller mortgage payment. Read more»

Mortgage Trends This Week: Oct. 26
By: Brian O'Connell

The U.S. mortgage market, just like a pro football coach whose team is winded after a long drive, took a time-out last week, with interest rates pretty much holding steady. Read more»

Up in ARMs: A Way Out for Seniors Facing Foreclosure?
By: Brian O'Connell

Some banks, most notably Bank of America (Stock Quote: BAC), have created a novel way to help seniors get out of option adjustable-rate mortgages, and even save their home from foreclosure. It involves a unique twisting of the reverse mortgage story — only this one might have a happier ending. Read more»

Why IRS Auditors Are Watching Your Mortgage
By: Brian O'Connell

With the Internal Revenue Service digging behind seat cushions looking for extra cash, it’s no surprise that they’re getting more aggressive about taxpayers who pay a lot of mortgage interest but don’t declare a lot of income. Read more»

Mortgage Trends This Week: Oct. 19
By: Brian O'Connell

Call it a reversal of fortune, as mortgage rates finally edged upward, after a month-long run of sliding performance. Read more»

What's an "Upfront" Mortgage Broker?
By: Jeff Brown

When the housing market tanked, mortgage brokers took a share of the blame for steering borrowers to dangerous sub-prime loans carrying adjustable rates. When the rates jumped and monthly payments soared, many of the brokers came off looking like the bad guy. Read more»

Mortgage Trends This Week: Oct. 12
By: Brian O'Connell

Lack of confidence in the economy, particularly in the dollar, has mortgage rates slipping back again this week, as lenders mull over more data that indicate talk of an economic recovery could be premature. Adding more anxiety to the mix are potential financial troubles at the Federal Housing Administration and more disturbing news on U.S. home sales. Read more»

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