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Tag Archive | "Mortgage News"

First Time Buyer Issues: Low Credit Scores

A first time buyer mortgage is no longer difficult to get, but a mortgage with low credit score might take a little more work. However, even bad credit will not prevent a first time buyer getting a mortgage under certain circumstances. Since the subprime mortgage and derivatives meltdown of the latter half of the 2000s, […]

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Construction Vocabulary: Language of Architecture in Plain English

Construction vocabulary is often convoluted and difficult to understand, and here we try to express the language of architecture in plain English. A term such as ‘residential architectural structure’ can be expressed simply as ‘house,’ and that is a very simple example. However, our purpose here is not to seek out verbose examples of simple […]

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Mortgage Points: What Are Points on a Mortgage?

Mortgage points offer a means of reducing your mortgage interest rate by purchasing points upfront. Each point helps your mortgage interest rate and one point is charged at 1% of the amount of your mortgage loan. Thus, if your mortgage loan is $150,000, each point will cost you $1,500. Generally, mortgage lenders will offer you […]

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For Sale By Owner: Are There Problems?

When buying a home, you may occasionally come across a home that is ‘For Sale by Owner’ that seems to be a good deal. If you are in the process of looking for a new home, you might be tempted to look further into this – but what does it mean, and are there any […]

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Home Fire Safety Tips: Home Wildfire Protection

Most home fire safety tips tend to ignore home wildfire protection since this type of protection applies only to those homes located in areas prone to this type of fire hazard. However, when this type of disaster occurs, many experience it only once because their homes can be completely destroyed through no fault of their […]

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Modern Interior Design: Some Tips on Home Décor

Modern interior design contributes significantly to making a home look the way it does. However, it is the people living in it who make that dwelling a home, and that should be kept in mind while considering these tips on home décor.  Following them may make your house look good and easy to live in, […]

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Buying a Foreclosure – Problems Buying Distressed Homes

Buying a foreclosure might not be as easy as you think since buying distressed homes has its own issues to consider. People occasionally try to purchase a foreclosure adjoining their property because a distressed home can have a negative effect on the value of their own home. However, they then run into problems and wonder […]

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Why 3 Bids for Your Construction Project Are Necessary

When you have a construction projection bet price quotes for, you should make sure that you get at least 3 bids. Many people foolishly accept the first bid, claiming that they are in a hurry and do not have the time to go through a proper bidding process. This is nonsense, because nobody should be […]

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How to Buy or Sell a Home That’s Off the Market

Before you decide to buy or sell a home that’s off the market, you should first take the advice of a professional mortgage advisor. It’s a common scenario: somebody knows somebody thinking of selling their home and decides make a good offer before the property is listed on the real estate market. Both the prospective […]

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Retired With a Mortgage and Cash to Spare?

If you are retired with a mortgage, and have the cash to spare to clear it, what are your options? Should you pay off the mortgage or can you use your cash in a better way? Here are some of the options open to you. We are assuming here you are paying tax on your […]

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