Home Financing Guides & Tips: Mortgages, Home Loans, Insurance, Refinancing & More Valuable Info

Home Financing

  • Preapproval for Mortgage: What is it and How to Get One?

    What's the difference between a mortgage preapproval and a loan pre-qualification? In pre-qualifying for a loan, the applicant will know if he can satisfy the loan requirements. In getting a loan preapproved the applicant is assured of available...
    By ciel s cantoria August 14, 2011 

  • Do You Have What it Takes to Get a Construction Loan for Your New Dream Home?

    Not every home buyer finds the home they want to spend the rest of their lives in. Many people decide that they prefer to build their own home. For most, this means loans for land, construction and a permanent mortgage. Understanding the requirements...
    By Finn Orfano August 3, 2011 

  • Using Home Equity Effectively

    If you are considering a reverse mortgage, alternatives to reverse mortgages include: equity lines of credit, refinancing or selling the home, deferred payment loans, property tax deferrals that are often available through the state. Understand your...
    By Finn Orfano July 23, 2011 

  • How VA Loans Work and Are You Eligible? A Look at the Pros and Cons

    If you’re in the military, there are many banks and lenders offering what they call the best loans possible for active duty military members. Are these loan offerings the best out there or are conventional loans just as good? Jean Scheid takes...
    By Jean Scheid July 23, 2011 

  • Comparing the Requirements of FHA and VA Loans

    Buying a home means making a significant financial commitment over a long period of time. Many new buyers turn to government guaranteed home loans. FHA and VA requirements have some common features but the differences must be understood for a loan application...
    By Finn Orfano July 23, 2011 

  • Working With Loan to Value Ratios

    When reviewing a loan application, lenders have a predetermined set of factors that will impact their final decision. Factors include the credit-worthiness of the borrower, work history and income. However, another factor that weighs heavily on the lender...
    By Finn Orfano July 22, 2011 

  • Pros and Cons of Reverse Mortgages

    Any time you make a financial decision, you must weigh the pros and cons. For reverse mortgages, pros & cons can make a very big difference in your decision. Take the time to learn more about them before you make this important financial decision...
    By NicoleHarms July 12, 2011 

  • Will Declaring Bankruptcy Stop a Foreclosure?

    Can bankruptcy stop foreclosure? The answer depends on what type of bankruptcy you file. Filing Chapter 13 can help you stop the foreclosure process and save your home, but you may want to look into alternatives first.
    By NicoleHarms July 11, 2011 

  • Less Than Perfect Credit: Exploring Home Buying Options

    While there are some unique challenges associated with mortgage loans for buyers with fair credit, this does not mean that it is impossible. Home buyers do have some options available to them that they may not have considered. Home financing without sub...
    By Finn Orfano July 5, 2011 

  • How do Reverse Mortgage Companies Make Their Money on your House?

    The lender on a reverse mortgage may not get the interest from the loan for many years in the future. How do reverse mortgage companies make their money on your house?
    By Tim Plaehn July 5, 2011 
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