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.

July 26, 2006

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.

July 17, 2006

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.

July 12, 2006

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.

July 10, 2006

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.

July 7, 2006

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?

July 5, 2006

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.

June 30, 2006

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.

June 28, 2006

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

June 26, 2006

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.

June 23, 2006

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.

June 21, 2006

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?

June 19, 2006

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.

June 14, 2006

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.

June 12, 2006

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!

June 9, 2006

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?

June 8, 2006

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.

June 2, 2006

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.

May 26, 2006

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

May 12, 2006

New Home Loan: Preparing for Mortgage Closing Costs
Prepare for closing costs to ensure that your new home loan and purchase go off without a hitch.

May 9, 2006

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.

May 8, 2006

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.

May 1, 2006

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.

April 13, 2006

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?

April 5, 2006

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.

March 31, 2006

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.

March 29, 2006

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.

March 27, 2006

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

March 24, 2006

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

March 23, 2006

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.

March 17, 2006

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.

March 15, 2006

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.

March 13, 2006

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.

March 10, 2006

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.

March 6, 2006

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.

March 3, 2006

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

March 1, 2006

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.

February 22, 2006

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

February 17, 2006

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

February 10, 2006

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.

February 10, 2006

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.

February 8, 2006

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.

February 6, 2006

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.

February 1, 2006

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?

January 30, 2006

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.

January 25, 2006

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

January 20, 2006

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.

January 18, 2006

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

January 11, 2006

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.

January 6, 2006

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.

December 19, 2005

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.

December 7, 2005

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

November 28, 2005

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.

November 18, 2005

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.

November 18, 2005

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

November 18, 2005

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.

October 27, 2005

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

October 27, 2005

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.

October 27, 2005

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.

October 27, 2005

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

October 27, 2005

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.

October 27, 2005

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?

October 27, 2005

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

October 27, 2005

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.

October 27, 2005

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?

October 27, 2005

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.

October 27, 2005

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?

October 27, 2005

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.