Mortgage Library

Application

• Two Key Factors in Qualifying for a Home Loan
• Mortgage Terminology
• Economic Terminology
• RESPA (Real Estate Settlement Procedures Act)
• Annual Percentage Rate (APR)
• Choosing A Mortgage Company
• Your Initial Meeting With A Lender
• After The Mortgage Application
• Speed Up The Mortgage Process
• Escrow Account Basics

Appraisals

• Appraisal Basics
• Appraisal Methods
• Reasons For An Appraisal
• Home's Market Value
• Appraisal Needed To Obtain Loan
• Helping The Appraiser

Calculators

• Mortgage Qualifier
• Rent vs. Buy
• Mortgage Required Income
• Maximum Mortgage
• Refinance Breakeven
• Mortgage Debt Consolidation
• Mortgage Loan Calculator (PITI)
• Mortgage Tax Savings Calculator
• Blended Rate Mortgage Calculator
• Mortgage comparison: 15 years vs. 30 years

Credit

• How to Improve your Credit
• Credit Scoring - How it Works
• Credit Reporting Agencies
• Fixing Credit Report Errors
• Credit Profiles
• Credit Inquiries
• Steps to Take After Being Denied a Mortgage Loan
• Credit Scoring - What Your Score Means

Down Payment

• What Makes Low Down Payment Loans Possible?
• Down Payment Loans and Gifts
• Down Payment - Grant That Is Never Repaid By The Homebuyer!
• Qualifying For Low Down Payments
• Down Payment Assistance
• State Housing Authorities

FHA Loans

• FHA Mortgage Insurance
• Streamline Refinancing for FHA Mortgages
• Down Payment Gifts
• Bankruptcy and Foreclosure
• Refunds Ready on FHA Loans
• Single Family Mortgage Insurance
• Single Family Rehab Program
• Title I Improvement Loan
• Energy Efficient Mortgages
• Reverse Mortgage Program

Insurance

• Homeowners Insurance
• 12 Ways to Save on Homeowners
• Private Mortgage Insurance
• PMI Cancellation
• PMI Payment Options
• PMI vs. FHA MIP
• Title Insurance
• Title Insurance Protection
• Title Insurance Policy
• Flood Insurance

Loan Programs

• Fixed Rate Mortgages
• Adjusted Rate Mortgages (ARM)
• Standard ARMS and the Differences
• Introductory Rate ARM's
• London Inter Bank Offered Rate (LIBOR)
• Balloon Mortgages
• Interest Rate Buydowns
• Cost of Funds Index (COFI)
• Graduated Payment Method (GPM)
• Choosing a Mortgage Program

Refinance

• Refinance Considerations
• Refinance Once, Then Do It Again
• Build Home Equity Faster
• Get Your Hands on Some Cash
• Trade your ARM for Fixed Rates
• Mortgage Refinance Costs
• Analyze Your Savings
• Paying Points For A Lower Rate
• Your Personal Income Taxes
• Consider Other Mortgage Programs
• Deciding To Refinance
• Refinance Calculator

Relocation

• Relocation Considerations
• Top Ten Relocation Headaches
• Relocation Issues for Kids
• Select A Relo Professional
• Before You Relocate
• After You Relocate

Second Mortgage

• Home Equity Credit Lines
• Length of Second Mortgage
• Payment Calculations
• Loan Costs
• Interest Rates

VA Loans

• 5 Steps to a VA Loan
• Who is Eligible for a VA Loan?
• VA Loan Eligibility
• Financing Benefits
• VA Loan Purposes
• Obtaining a VA Loan
• Restoration of VA Loan Entitlement
• VA Loan Questions and Answers
• VA Office Locations