NEW HOME LOAN ARTICLES & ADVICE

Learn how you can shop smart for your next loan with in-depth information and insight on new home loan.

Discover the secrets to low rates, choosing the right mortgage company, understanding your credit, new loan options, and more everything you need to get a great loan.

Improve Your Credit; Improve your Home Mortgage Loan
With lenders tightening their mortgage guidelines your credit is more important than ever.


Amortize Closing Costs or Pay the Points?
What do you prefer? Pay the points or amortize the closing costs over the term of the mortgage?


Traditional Mortgage Companies vs. Private Lending
Have a great new business idea but can't seem to get funding? Check out private lending options as well as mortgage lenders.


New Mortgage Laws: Will They Affect Your California Home Loans?
There are some new laws being considered on Capitol Hill and they could affect your new mortgage.


Understanding the Mortgage Process
Being prepared for your new home loan can help ensure an easy process. Here's what you need to know.


How to Ensure You Get the Best Home Loan
Make sure you get the best home mortgage loan you can by following these simple tips.


How to Close Your Home Loan on Time
There can be a lot of money riding on closing your home loan on time. What you need to know about escrow and what can delay it.


Can Mortgage Impounds Get You a Better Mortgage Interest Rate?
Safety is important to mortgage lenders right now. Find out how mortgage impounds can help you secure your home loan and lower your mortgage interest rate.


Understanding Benefits of Adjustable Rate Mortgage Loans
Not sure about getting an adjustable rate mortgage (ARM)? The key to success with an ARM loan is in understanding how it works, and how it can benefit your cash flow.


Mortgage Rates Up: Still A Good Time for a Home Equity Loan?
Despite the recent rise in mortgage rates, those rates are still reasonable from a historical perspective.


Streamlined Loan Documents Reduce Mortgage Closing Costs
New shorter mortgage documents are designed to reduce closing costs and save time for borrowers and lenders. Contact lenders online or in person for availability.


Understanding Mortgage Insurance
If your new home loan amount is more than 80% of your home's value, your mortgage lender will require you to pay for mortgage insurance. What is mortgage insurance, and can you ever stop paying for it?


Preventing ARM Adjustment Shock
Your ARM loan is about to adjust to a higher rate, which means higher payments. Knowing what's in store can help in considering your options.


Understanding Mortgage Terminology
Shifting through the acronyms of mortgage terminology can be quite confusing. If you are looking at a new home loan, or refinancing your current mortgage, here are a few of the terms you need to know.


Opting Out of Unwanted Mortgage Solicitations
If you have recently applied for a home mortgage, you probably received numerous calls the next day from lenders soliciting your business. Why does this happen and how can you avoid unsolicited mortgage calls?


Are There Really No Cost Home Loans?
In an effort to beat the competition, many lenders are offering no cost home loans. Is there such a thing as a free mortgage?


Why Should You Lock In Your Mortgage Interest Rate?
In a volatile market for mortgage interest rates, now may be the right time to lock in your rate.


What is Title Insurance?
Before closing your new home loan your lender wants a guarantee of clear title and will require a title policy. What is it and why do you need title insurance?


Mortgage Origination Fees
If you have been shopping for a new home loan or a refinance of your existing mortgage you have probably heard the mortgage term points. What is a point and what does it mean to you and your new home loan?


Preparing for Your New Home Loan
Do you want sail through your next home mortgage application? Follow these suggestions to make your new mortgage a breeze.


Fannie Mae, Freddie Mac, and Your Mortgage
You've just received a letter stating that your mortgage loan has been sold to Fannie Mae, or Freddie Mac. Who are these guys, anyway?


Bernanke Comments Welcome News for Mortgage Shoppers
Recent comments by the Federal Reserve Chairman strike an encouraging note for subprime mortgages.


Lenders Providing Mortgage Solutions for Troubled Homeowners
Many mortgage lenders are offering assistance to distressed homeowners. If you're having financial problems due to rising interest rates, call your lender today.


Credit Scoring and Your Home Mortgage
The key to getting a good mortgage on your new home loan or mortgage refinance is good credit. Here's what you should know about credit scoring.


Know More than Mortgage Interest Rates
Comparing the terms of new home loan options can help you avoid problems later, and will assist in selecting a mortgage loan that meets your needs.


Using Mortgage Calculator Tools
If the thought of a calculator takes you back to nightmarish math classes, don't worry. Free online mortgage calculator tools are easy to use, and can provide helpful information.


California Homeowners Face Unique Challenges
Recent decreases in home values and upward adjustments in interest rates are causing some California homeowners major financial problems. If you're looking for a home loan, here are some tips for avoiding trouble.


What is Mortgage Servicing?
What's the difference between a mortgage lender and a mortgage servicer? If you have questions about your new home loan, you'll want to know.


Avoiding Problems with Your New Home Loan
Want to avoid headaches associated with choosing the wrong mortgage? Thorough knowledge of your finances and future goals can help you choose a mortgage that works for you.


Reconsider Seller Financing
There are benefits to seller financing. Find out why it might be right for you.


Got Bad Credit? You Can Get a Home Loan
If your credit isn't the best, you can still get a home loan. Mortgage brokers and real estate agents can help you find affordable home loans, and making mortgage payments is a great way to rebuild your credit.


Don't Let Discrimination Shut You Out of the Market
Mortgage discrimination strikes at the heart of the American new home dream.


Becoming a Happy Homeowner
Are you finally ready to buy? Learn how to make the leap from renter to homeowner.


No Broker, No Real Estate Agent, No Sale
Can you really sell your home without a real estate agent?


The Lender Solution
Looking to own your own home? The right lender can make the difference.


A New Home Mortgage vs a New Home
While the housing market has declined recently, making potential buyers hesitate, mortgage rates are also on the decline. Maybe what you need instead of a new home is simply a new home mortgage.


Understanding the Concept of the Reverse Mortgage
If you are an older American who is house rich but cash poor, a reverse mortgage might be a smart move.


Closing Cost and Mortgage Calculators: Ready Yourself for the Sale
If you want to ready yourself for a new home or mortgage refinancing, check out online mortgage and closing cost calculators.


The Hybrid Home Loan and How it Works
For a home mortgage product that gives you the best of fixed and adjustable rate mortgages, check out a hybrid loan.


Your Credit Score Really Counts
When it comes to applying for a new home loan or mortgage refinance, your credit score does matter.


How Will You Finance Your New Home Loan?
Prepare your finances and get that new home loan you're after!


Doing the Time Warp with Real Estate Market Data
A real estate market trend of manipulating Days on Market data by relisting properties may be distorting housing market information in favor of sellers.


Understanding the Mortgage Application Process
You need a new home loan, and are about to complete an application for a mortgage loan. Here are some tips for understanding the application process and what your lender will be looking for.


Understanding Mortgage Amortization
You want to buy a home, but are confused about the many types of home loans available. Getting comfortable with mortgage terms like amortization can help you choose a mortgage that meets your needs.


Interest Only Mortgage Promotes Cash Flow for Business Owners
If you're a small business owner who needs to maintain cash flow, an interest only mortgage can help. An interest only mortgage is designed to assist homeowners with irregular income.


Regional Programs Assist First Time Buyers
If you think you can't afford a home, think again. State and local programs for first time buyers can help you move from renter to homeowner.


Understanding Mortgage Interest Rates
Interest rates fluctuate daily, but do you really know how or why?


Your Home Mortgage as a Financial Tool
Did you know that your home mortgage might be your most valuable financial tool to increase your total net worth?


Mortgage Companies Introduce Creative Home Loan Products
Check out the latest home loan products that mortgage companies are offering to make you a customer no matter what your financial situation might be.


What Exactly is a Mortgage Broker?
If you're confused by the barrage of mortgage offers, a mortgage broker will find the deal that is right for your new home loan.


Closing Fees: Do You Know Where Your Money Is Going?
Make sense of your new home loan closing fees.


Make Your Realtor Work for You
Buying or selling your new home could potentially be the most rewarding financial transaction in your lifetime. Do you have the right realtor?


Negotiating Closing Costs Can Save Thousands
In many areas, homebuyers are enjoying lower prices and buyer incentives. You can potentially save thousands by negotiating your closing costs, or looking for deals where the seller pays the buyer's closing costs.


The Closing Cost Calculator: Understanding Your Responsibilities
You should never purchase a home loan mortgage without using a closing cost calculator to figure out what you'll owe.


Understanding Mortgage Options: Are Payments Flexible?
Recent downward trends in many real estate markets are the result of homeowners trying to sell homes they bought with adjustable rate mortgages. It's important to know and understand the terms of your mortgage before buying.


Prequalification Helps Homebuyers Get the Right Mortgage
You're excited about buying your first home, and are ready to start looking. Getting prequalified for a mortgage loan can help establish what you can afford and find mortgage terms that work for you.


Closing Costs 101: What You'll Pay for, and Why
The dream of buying a home can become a nightmare if you don't understand the typical closing costs associated with buying a home and getting a mortgage loan.


Using a Mortgage Calculator to Determine Your Home Loan Picture
A mortgage calculator is a powerful real estate market tool that will allow you to determine a variety of payment factors for your home loan.


Finding the Right Mortgage Company
Have you always wanted your own home? The right mortgage company can help you obtain your special piece of pleasure.


Cost-busting Ways to Lower Your Closing Costs
Instead of paying a few thousand to your mortgage lender, save those home loan closings coasts finish off that basement.


Reducing Last Minute Surprises by Calculating Closing Costs
Buying your first home can seem complicated. It's important to consider closing costs in considering how much you can afford to spend on a home.


Gaining Control of Your Credit Card Spending
If you're looking to buy a new home but can't seem to curb your impulse for credit card shopping, read on.


Meet The Closing Costs
Do you have the funds available to cover closing costs on your new home loan?


What Really Happens During and After Closing
Afraid of closing the deal on your new home loan?


The Major Differences between Mortgage Companies
If you're in the market for a new home loan, you'll be interested in the common discrepancies between mortgage companies.


Mortgage Calculators Designed to Help Homeowners
You're buying a home, and there's more to consider than the purchase price. Free online mortgage calculators can help you get the information you need when choosing a mortgage loan or negotiating an offer.


The Components of Closing Costs for Your New Home Loan
Before you can get that new home loan, you had better know exactly what goes into the payment of closing costs.


Foreclosures Can Be A Buyers Bargain
Looking for a new home loan? Check out the foreclosure market.


How the Escrow Company Processes Your New Home Loan
If you're in the market for a new home loan, you should know the responsibilities of the escrow company charged with handling initial mortgage payments.


Condos Open Doors for First Time Homeowners
Record housing prices in many markets have created difficulty for first time homebuyers. Condominiums can be a great way to find an affordable home and mortgage loan.


Buying a Home in Changing Markets
You've saved for a down payment, and are ready to buy your first home, but the market is changing. Deciding when to buy depends on your financial resources, preferences, and lifestyle.


Customize Your Borrowing Power with Option ARMs
Whether you need a home loan or an investment property, the new range of option ARMs allow you to control your new mortgage.


Balancing Mortgages with Back-to-Back Escrow
Back-to-back escrow services allow you to sell your old home and secure a loan to purchase a new one simultaneously.


The Good, the Bad, and the Ugly of the Hybrid Home Loan
The hybrid home loan is exploding onto the scene. But is it a safe bet? Before you sign, here are some things you should know.


Who Qualifies for a Government-backed Home Loan?
Did you know that if you meet certain employment criteria, you could be eligible for a government-backed home loan with a friendly annual percentage rate?


Should I Consider an Interest Only Home Loan?
The interest only loan is gaining a large following, but is it right for your financial situation? Here's the lowdown on this mortgage option.


Understanding Your Loan Cost
Obtaining a new home loan can be costly. Do you know where your loan cost money will go?


Know The Facts About Your Closing Costs
There are important final steps that need to be taken just before closing your new home loan. Are you prepared?


New Home Loan: Don't Forget the Taxes
If you're looking to purchase a new home loan, you'll need to know more than just the interest rate.


Predatory Lending: Buyer Beware
If you're looking to refinance your loan or obtain a second mortgage, beware of predatory lending.


Mortgage Fraud: A Lucrative Crime Spree
Avoid being scammed. Mortgage fraud really does happen.


One Plus One Make Homeownership Mortgage Solutions
Don't get shut out of the housing market. Obtaining a new home loan might be tough, but it's not impossible.


Is a Jumbo Home Loan Right for You?
If you are in the market for a high end home, you might be eligible for a jumbo loan from your lender.


Mortgage Hunting: Let's Talk Money
Finding the right loan program to fit your budget and dream home goals can become a reality. Learn how to mortgage hunt today.


Fight Back And Turn Poor Credit Into Great Credit
Have you been denied a mortgage due to poor credit? There is something you can do to fight back!


How Bad Credit Affects Your Home Loan and What You Can Do About It
Bad credit can make obtaining a home loan or mortgage refinancing difficult unless you know these critical steps to improving your rating.


Mortgage Transaction: The Responsibilities of the Escrow Holder
The escrow holder is a critical part of the mortgage process and will protect your interests throughout the new home loan process.


How LTV and CLTV Will Affect Your New Home Loan
If you are even considering applying for a new home loan, you absolutely must know the impact LTV and CLTV will have on your mortgage terms.


Mortgage Basics: Paying Points on a New Home Loan
If you're in the market for a new home loan, what you don't know about paying mortgage points can hurt you.


Understanding the Title Search Portion of the Mortgage Process
The title search is just one of the stages of the mortgage process. Here's how it works.


Pre-Approval and Pre-Qualification in Obtaining a New Home Loan
When you are applying for a new home loan or mortgage refinancing, do you need to get pre-qualified or pre-approved?


Negotiating the Offer and Contract on Your New Home
With some crafty negotiation, you can get a new home for substantially less than the asking price and lower your loan amount as well.


Beginning the Mortgage Application Process
Here are some basic tips that will help you to start your mortgage application and save you a great deal of stress.


The Advantages of the Fixed-rate Loan
Before you choose a mortgage, you should learn all about fixed-rate new home loans.


Getting Your Home Loan from a Commercial Bank
Before you select a home mortgage loan from a commercial bank, you should know the advantages and disadvantages of doing business with them.


What's an APR and What's It Mean for Your Home Mortgage Loan?
The APR of your home mortgage loan isn't such a mysterious number, as you might think. Here is the APR, demystified.


Paying (and Not Paying) Points for Your Mortgage Loan
You've got bad credit and want to buy a home. You've heard that you may have to pay points. So what are points, how are they calculated, and why are you being asked to pay them?


Mortgage Brokers Find Alternative Home Loan Solutions
If you're worried about your credit, are self-employed, or just want to shop for the best deal on a new home loan, a mortgage broker can help you find a mortgage loan that meets your needs.


The Pros and Cons of an Interest Only Mortgage
The current real estate market, your income stream, and financial goals can help you decide if an interest only mortgage can meet your needs.


Beat Current Interest Rates with a Hybrid Mortgage
Gas prices are sky high, and current interest rates are increasing, too. A hybrid mortgage, like a hybrid car, can help you save money while getting you where you need to go--into your new home!


When a Loan Becomes a Jumbo Loan
You've found your dream home, but are you prepared for the jumbo loan you'll need to finance it?


Fannie Mae, Freddie Mac, and Your New Home Loan
If you're buying a home, the chances are good that two corporations working behind the scenes have helped make the loan application process easier for your and your lender. Learn about the role Fannie Mae and Freddie Mac play in home loans.


Private Mortgage Just Might Be Mortgage Insurance without End
Looking to get rid of your private mortgage insurance? It may not be as simple as you think.


Choose the Perfect Lender
Choosing a lender for your new home loan might seem extremely frustrating, but it doesn't have to be.


Preparing for One-Time Closing Costs
You found a great mortgage rate and you're about to close your loan. But wait a minute--your new home loan has several hidden fees.


Advantages and Disadvantages of Buying a Home
Trying to decide between renting and buying a home? Check out the pros and cons of buying a home.


Quick Loan Approval Made Easy
For a quick, new home loan approval get organized! Find out what information you need to gather before you apply to speed up the process.


The Pros and Cons of an Interest Only Mortgage
Buying a home is more expensive than ever, but lenders have developed loan products to meet diverse financing needs. Is an interest only mortgage right for you?


New Home Loan: Preparing for Mortgage Closing Costs
Preparing for closing costs is a great way to ensure that your new home loan goes off without a hitch.


To Buy or Not To Buy: Advantages and Disadvantages of Buying a New Home
Before you take out that mortgage, you should know the various advantages and disadvantages of buying a home.


Doing Your Homework: Using a Mortgage Calculator
Yikes! You never were any good at math, and now you're looking for a home loan. All of the numbers can be confusing. Don't worry. Free mortgage calculator tools can help you figure out what to expect from your mortgage.


Building a House with an All-In-One Construction Loan
An all-in-one construction loan can help smooth the home-building process.


The Advantages of the Adjustable Mortgage Interest Rate
Before you choose a new home loan, you should know about adjustable mortgage interest rates.


Jump Start Your Dream of a New Home
Don't get beaten to the punch. Get a mortgage pre-approval to get a leg up on the competition.


Can My Monthly Mortgage Payment Change?
It's likely that your monthly mortgage payment is your largest monthly expense. When shopping for a new home loan, you'll want to know if, when, and why your monthly payments can change.


The Asking Price: How Does It Jibe with a New Home Loan?
Home shoppers should know about the asking price and how that figure comes into play when getting a new home loan.


APR: Annual Percentage Rate and Your New Home Loan
You're looking for a new home loan, and feel like you're drowning in alphabet soup! APR, ARM, FRM, LTV--Understanding these terms is essential to finding the mortgage loan that works for you.


How Does Escrow Play into Getting a New Home Loan?
Escrow is a complex term that stands for several elements used during the process of getting a new home loan.


What Kind Of Mortgage Lender Is Best?
Choosing a mortgage lender might be your toughest decision yet.


The Benefits of Using a Credit Union for Your New Home Loan
Using a credit union to obtain a new home loan holds a variety of attractive benefits that you should know about.


"Point" Yourself in the Right Mortgage Direction
The lower the points and fees, the better. It's common sense, right? Not so fast.


Can My Monthly Payment Change?
Know the truth about how your monthly payment can change. Read on to learn more.


Starting Your Mortgage Application
Getting a new home loan can be daunting, but knowing what a lender will look for will make the process a whole lot easier. It could even save you money.


Buying a Home without a Down Payment
Even if you can't afford a huge down payment, you still have a great option for buying a home: the no-down-payment mortgage. Find out what this special loan is and how you can finance your dream home without a down payment.


What is a Hybrid Loan?
In recent years, mortgage rates have reached extreme lows, causing many to consider refinancing for a loan with lower interest rates. Even with these lows, however, you may have heard of a hybrid loan, which is a combination between a fixed rate and adjustable-rate mortgage.


Pros & Cons of Interest-Only Loans
Perhaps you have been in the market for just the right mortgage and you've heard those tempting words "interest-only loan." Often, lenders will encourage you to take an interest only mortgage, which means that the scheduled monthly payments consist only of interest.


Preparing for the Closing Costs
So, you've been approved for a new home loan, and soon you will have a mortgage for the house of your dreams. What else is there to consider?


Getting Your Mortgage Application Started
Are you thinking about applying for a mortgage or a new home loan? If so, it's always helpful to sit down with a financial advisor to discuss your borrowing needs, budget allowances, and the current mortgage rates.


Mortgage Broker vs. Local Bank
Let a mortgage broker help make your dream of owing a home a reality.


Why Renting Can't Beat Owning Your Home
Renting can seem a whole lot easier than buying a home and dealing with all those mortgage papers. Read on to learn more about how renting stacks up to owning a home.


Good Credit, Bad Credit - Where Do You Start?
Don't let a bad credit report prevent you from getting the right, new home loan.


Debt Consolidation and Peace of Mind
In early December the national debt stood at an astounding $8,125,956,017,276.91. Talk about needing to do some debt consolidation.


Let the Mortgage Hunt Begin
Ready to make your dream of owning a new home a reality? Choosing the right mortgage could make all the difference in the world.


The Advantages of Owning Your Own Home
A home mortgage may have a lot of hoops to jump through, but the financial benefits can last you a life time.


Private Mortgage Insurance
Only making a down payment of 5%? Beware of additional costs.


Like Finding Money: Let a Home Equity Loan Work for You
When you need to make large purchases, a home equity loan can find you the money to make them.


A New Home Loan - Everything and the Kitchen Sink - and Worth It
Applying for a new home loan for your first mortgage? Congratulations! Get ready to celebrate--once you're through with the paperwork.


Understanding Home Loan Terminology
A whole new world: Learning to speak the language of home loan and mortgage terminology.


Kick the Tires: Comparison Shop for Your New Home Mortgage
When you're looking for a new home loan, shop like you would for any other big-ticket item - shop around - so you can get the best price and features.


What is an APR?
Learn about what APR really means and how it can help you get the best deal on a mortgage.


Pros and Cons of Interest-Only Loans
Heard about interest only mortgages? Take a look at a pro/con list to see if it's the right type of loan for you.


Primer on Choosing a Lender
It seems like everyone wants to offer you money for your home mortgage. Find out which best serves your needs.


Adjustable Rate Mortgage: More House, Less Money
More house, for less money is an adjustable rate mortgage right for you?


Understanding Your New Home Loan: What's LTV?
Loan to value- LTV- is one of the most important factors that comes into play when you're turning your dream of a new home into the reality of a new home mortgage.


Your New Home Loan: What Exactly is Escrow?
Getting your first new home and your first mortgage? There's a lot to understand. Just what exactly is escrow?


Understanding Your New Home Loan: What's an APR?
What am I paying for? Understanding APR and your mortgage rates.


Understanding Your New Home Loan: What's the Escrow Agent Do?
Buying a new home? You need to understand everything from mortgages to escrow and escrow agents.


Understanding Your Credit Report: What does it Mean to Your New Home Loan?
Your mortgage for that new house depends on what people are saying about you what's your score on your credit report?


House Rules: Waving Our ARM's in the Air: New Home Loans
Don't let rising interest rates keep you out of home sweet home; find the mortgage product that's right for you.


House Rules: Why it's Still a Good Time to get a Home Loan
The Federal Reserve has raised interest rates for seven straight quarters. So why does it still seem like a good time to get a home loan?


Buying the American Dream: Choosing a Mortgage Lender
Your home is your castle. But before you move the dragons out and lower the drawbridge, you're going to have to figure out how to finance your home. Shop and compare not all mortgage lenders are alike.



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