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Tag Archive | "Mortgage News"

Yard Staging Tips When Selling Your Home

Yard staging is often overlooked by people selling their homes. Curb appeal is very important, and many sellers will spend a great deal of time and money on their windows and doors. For some reason, however, many tend to ignore the appeal of their yard. Whether a front garden or a backyard, it is important […]

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Mortgage Calculator: Easily Calculate Mortgage Payments

An online mortgage calculator can help you to calculate mortgage payments and interest. Such calculators can take various forms, but before using them you must make sure you understand what you are using them for and how to use them. Here is an explanation of the common fields you will fill in using a mortgage […]

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Cleaning a Patio: Brick and Paver Patio Maintenance

Cleaning a patio is an essential aspect of brick and paver patio maintenance. If left without maintenance or cleaning, a patio will become discolored and slippery with mold and moss or algae. It is important to keep your patio in good condition, particularly when about to sell your home.  Not just that, but continual lack […]

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Loan Modification: Basics of Mortgage Modifications

Loan modification is a process that enables those in danger of foreclosure to modify or rearrange their mortgage. Fundamentally, the purpose of mortgage modifications is to enable homeowners with payment difficulties to keep current with their repayments and retain ownership of their homes. There have been problems with these in the past, and many lenders […]

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Real Estate Appraisal Using Home Valuation Websites

Real estate appraisal can be carried out on home valuation websites using automated valuation models (AVMs). This might seem to be an easy way to find the value of your home prior to selling it, but there are problems associated with an AVM. Just as with any software, it’s fine if your home conforms to […]

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Mortgage Down Payment Assistance Programs

Down payment assistance programs (DPA) are designed to help you with your down payment when buying a home. If you are having trouble raising the cash needed to buy your home, then help is available – but funds are limited, and many state and local governments will rapidly run out of such assistance. DPA did […]

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How Much Mortgage Can I Afford

What mortgage can I afford?  Practically all house buyers have asked themselves that question at one time or another.  What are mortgage points, and what down payment must I have? These are others. Here is some advice on arranging a mortgage that you can afford. What Mortgage Can I Afford – Pretax Income It is […]

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Private Mortgage Insurance Basics

Private mortgage insurance is usually required when you take a mortgage loan. In fact it is generally included in your mortgage payment and placed in an escrow account along with any tax liability. This protects the lender against any inability on your part to pay the full annual lump sum when it is due. Must […]

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PITI: Principal, Interest, Taxes, and Insurance.

Sounding just like ‘pity,’ PITI stands for Principal, Interest, Taxes and Insurance. The term is used in relation to mortgage payments. It is the total monthly sum paid for a mortgage in the USA. Here is a description of the initials in the acronym in more detail. PITI: Principal The principal is the capital sum […]

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Mortgage Basics: Hybrid ARM (Fixed-Period ARM)

Mortgage terminology is often confusing to people and the hybrid ARM, or fixed period ARM (adjustable rate mortgage,) is a good example. In fact, it would be fair to say that most people do not understand many of the terms used by mortgage lenders, and tend to blanche when the term ‘hybrid’ is used in […]

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