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59Tips for Finding Your Dream Home
Buying a home, whether it is your first of fifty-first, is a big investment. It can be very exciting, but it is important that you carefully evaluate prospective homes and areas before making a commitment to a mortgage. Learn some tips for finding a new home in this hub.
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80The Advantages of a Down Payment When Buying a Home
Many people who got in trouble during the current financial crisis had a subprime no money down mortgage that quickly became unaffordable. Now, most lenders are much more strict with their lending, requiring a more traditional down payment, which not only benefits the lender, but also the borrower.
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60Home Equity Loans and Home Equity Credit Lines
Buying a home offers a number of tax advantages and also means that you are investing in actually owning something. As you begin to pay for a home, you build equity in the home, which you can use to get a home equity loan, but it is important to be careful with this type of credit product...
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66Liar Loans: Fanning the Flames of the Financial Crisis
There are a number of factors which help contribute to our current financial situation and the crumble of the housing market. One factor is the rise of liar loans and the packaging and reselling of these loans to overseas investors.
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64Private Mortgage Insurance
Mortgages are important tools for people who can not afford to buy a home upfront. Most lenders require Private Mortgage Insurance for borrowers who do not have a 20% down payment.
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71Home Mortgages: Preapproval vs Prequalification
Buying a new home can be very exciting, but most are unable to afford to buy the home up front and instead apply for a mortgage. A mortgage lender will usually offer either a prequalification letter or a preapproval letter, which describe the level of commitment to finance the borrowers loan.
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63Understanding Subprime Mortgages
A number of financial experts blame much of the financial crisis on subprime mortgages. While these mortgages certainly contributed to our current financial problems, they were only a part of the problem.
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