Sep 13, 2005, 18:52,
Reverse mortgage are catching on more and more but they have really been around for quite some time.
Sep 12, 2005, 18:43,
Seller financing is certainly an option, as long as the seller knows about it, of course. With seller financing you will go through a lot fewer hoops of qualifying than when applying with a mortgage company. Just understand that you are in fact applying for a mortgage loan except that it's an individual loaning you the money instead of a mortgage lender.
Sep 11, 2005, 21:10,
Home equity borrowing vanquishes your capacity to build wealth. If you do use it, use it only for productive investment that offers low risk for good returns.
Sep 8, 2005, 19:18,
Getting an owner to finance a sale, or a portion of a sale, can be wonderful. It can be also dangerous because the legal agreement often are biased, and the buyer may have little equity in the property being purchased.
Sep 8, 2005, 18:22,
What you need to know about the Hard Money Mortgages and Predatory Lending.
Sep 8, 2005, 17:27,
The real estate market has been booming in the U.S. for some five years now and a record number of Americans now own their homes. The mortgage industry has recognized the fact that people have all kinds of needs and incomes and has provided an impressive array of different types of loans. In short, there is a loan for most everyone.
Sep 4, 2005, 23:39,
Credit expert Jeanette Fisher tells how to save mortgage interest charges, without paying extra fees.
Sep 4, 2005, 23:30,
Many people are surprised to find that liens from old home equity loans are still on the books, affecting both your credit report and your ability to obtain a new loan.
Sep 4, 2005, 23:15,
The tremendous increase in home prices in California and elsewhere has provided many homeowners with a lot of equity. Should you cash out and move?
Sep 3, 2005, 22:51,
All mortgage web site owners have come to realize that the Internet is not free, especially in the competitive industry of home loans and mortgages. For the most part, mortgage companies are going to have to invest in Internet advertising in order to receive mortgage leads. The two most common alternatives for the acquisition of new customers, are via a Pay Per Click (PPC) program or via a Pay Per Lead (PPL) program.
Sep 3, 2005, 22:41,
The day has come for your new website to go 'Live'. After tweaking this and changing that you are finally ready for the herds of potential clients to bombard your website with promising loan applications. While you sit by your email program for a few hours waiting for that first application to come through, you realize that there is more work to be done.
Sep 3, 2005, 20:30,
Home equity borrowing is more popular than ever. Rising home values coupled with low interest rates and favorable tax treatment make home equity loans and home equity lines of credit extremely attractive. According to the Consumer Bankers Association, during 2003 combined HELOC and loan portfolios grew 29%, following a torrid 31% growth rate in 2002. The CBA also noted that home equity credit accounts represent a full 75% of consumer credit portfolios with home equity lines of credit (HELOCs) having a 45% share of the market and regular home equity loans a 30% share.
Sep 3, 2005, 17:42,
The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974. One of its purposes is to help consumers become better shoppers for settlement services.
Sep 3, 2005, 17:37,
Balloon mortgage is not always right for everybody. You need to consider your housing plan before consider balloon mortgage.
Sep 3, 2005, 00:12,
The Internet has revolutionized the way consumer's evaluate, compare and choose mortgage products and services. Every day more and more mortgage shoppers utilize the Internet to study and purchase home mortgages. As a mortgage broker you must recognize this industry shift and learn to utilize this tool. This brings us to the topic of this article, Internet Mortgage Leads.
Sep 2, 2005, 16:39,
The Energy Efficient Mortgage (EEM) is a loan designed to help home buyers save future money on utility cost. A VA guaranteed loan is made by private lenders such as saving and loans, mortgage companies, or banks to eligible veterans who are buying a home that will serve their main residence.
Sep 1, 2005, 17:12,
Qualifying for a mortgage can be a stressful affair. A common problem that can occur is not having enough income to qualify for the loan amount. If you have this problem, here are a few possible solutions.
Sep 1, 2005, 17:07,
The real estate market in the United States is undeniably hot, hot, hot. This toward pace has resulted in an odd mortgage qualification problem – low appraisals. Here are your options if you get a low appraisal amount.
Aug 31, 2005, 17:58,
Tips on preparing for and getting your mortgage, and what to do when you've got it.
Aug 31, 2005, 17:53,
Unlike a traditional home equity loan, a reverse mortgage requires no repayment for as long as you live in your home.
Aug 31, 2005, 17:40,
Reverse Mortgages, a form of home equity lending, have other uses besides funding nursing home expenses.
Aug 31, 2005, 17:21,
Some mortgage deals seem to be too good to be true. Be aware of unscrupulous lenders that may not have your best interests in mind.
Aug 31, 2005, 17:06,
High real estate prices may make the previously obscure 40-year mortgage more common, allowing people to purchase homes they otherwise could not afford.
Aug 31, 2005, 17:00,
A brief informative guide to Buy to Let mortgages in the UK. What should you do before you buy? Why should you talk to an accountant? How do you plan your cash requirements?
Aug 30, 2005, 16:51,
Choosing the right home equity loan can be tricky; you have to consider interest rates and repayment schedules, among others. Choosing the right lender, however, does not have to be a difficult task.
Aug 30, 2005, 16:40,
Rising home prices have inspired more homeowners to take out interest-only mortgages. This idea may not be for everyone.
Aug 30, 2005, 16:35,
Home equity loans can be a great idea for individuals looking to get out of debt or make necessary repairs on their homes. During the process, you will come across a variety of terms and acronyms. We have gathered together some of the basic terms that you come across during your home equity loan.
Aug 30, 2005, 16:31,
The booming home equity loan and mortgage market has brought a number of shady lenders to the surface. Be careful when you borrow.
Aug 30, 2005, 16:26,
Reverse mortgages are useful tools for those who need extra cash during their retirement years. Be aware that there are costs associated with them and that they may not be right for you.
Aug 30, 2005, 16:22,
The huge increase in California home equity and in the number of interest-only mortgages suggests that the real estate market may be peaking. Buyers should be careful.
Aug 30, 2005, 16:18,
Applying for a home equity line of credit before you need one will allow you to have a source of funds should emergencies arise in the future.
Aug 29, 2005, 15:44,
There is luckily a very helpful tool that will take the guess work out of home equity loans. Before you commit to anything, you should play around with a home equity loan calculator to determine how much you can borrow.
Aug 29, 2005, 15:39,
For years, when someone wanted to purchase or refinance a home, the choices were simple. The buyer chose either a 15-year fixed-rate mortgage or a 30 year fixed-rate mortgage
Aug 29, 2005, 15:16,
The more things change, the more they stay the same. Mortgage companies are constantly introducing new products, and the fastest growing product at the moment is the classic 30-year, fixed-rate mortgage. Here’s why.
Aug 29, 2005, 15:04,
Using a home equity loan to get out of debt or make improvements to your home is usually a smart move. You have earned the equity, so it only makes sense that you put it to good use. Usually this type of loan offers a lower interest rate than credit cards or traditional loans, so it is a wise move for many circumstances.
Aug 29, 2005, 14:57,
Refinancing is the process of replacing an existing loan with another lower interest rate loan for the same amount. Refinancing a second mortgage can help borrowers to regain control of their personal debt.
Aug 29, 2005, 14:46,
Recently passed bankruptcy legislation requires filers to first undergo mandatory credit counseling. Congress didn’t state exactly what that means, leaving debtors and counselors concerned.
Aug 29, 2005, 09:39,
Do you absolutely need to get cash for your property? If not, why not make it easier to buy and make more money with seller financing?
Aug 27, 2005, 15:08,
Obtaining a home equity loan does not have to be a major ordeal. Unlike your first mortgage, you are already in the home, and usually time is not such a major factor.
Aug 27, 2005, 12:07,
Imagine you have just completed a search that included hundreds of hours of looking at the exteriors and interiors of houses. You have sized up siding, reviewed roofing and perused the petunias. And finally, you have found the house of your dreams. Now imagine that this house of your dreams costs much more than you can afford.
Aug 27, 2005, 11:55,
The joys and anticipation of owning a new home are sometimes crushed when the application for mortgage financing is turned down by the lender. If your loan request has been denied, you should understand why the loan was denied and what steps you can take to correct the problem or make sure that it does not happen again.The following information will help you understand the most common reasons for loan denials and corrective measures you can take. It also describes some alternatives that exist, especially for low and moderate income home buyers.
Aug 27, 2005, 11:36,
You can usually deduct the interest you pay on a mortgage for your main home or a second home. Here are the answers to common questions about this deduction:
Aug 27, 2005, 11:12,
Should you refinance? This page will answer some questions that may help you decide. If you do refinance, the process will remind you of what you went through in obtaining the original mortgage. That's because, in reality, refinancing a mortgage is simply taking out a new mortgage. You will encounter many of the same procedures and the same types of costs the second time around.
Aug 26, 2005, 17:04,
There are numerous advantages to owning a home. One of the serious advantages is the equity that is built over time. As equity builds, you create a pool of money to access in trying times.
Aug 26, 2005, 09:10,
The truth about exclusive mortgage leads. Are Exclusive internet mortgage leads extinct? Find out the truth!
Aug 26, 2005, 00:47,
More often than ever mortgage brokers today are looking for a higher quality mortgage lead (and that answer may be telemarketing mortgage leads). But it seems that qualified mortgage leads and exclusive mortgage leads are coming more difficult to find.
Aug 25, 2005, 15:42,
To put it in simple terms a mortgage loan lead is a request for a mortgage quote generated by a mortgage buyer though a mortgage lead broker website. Mortgage loan lead is generally sold by the mortgage broker to mortgage sellers and vendors for a good sum of money. The mortgage seller then replies the lead with necessary quotes to the concerned customer. Mortgage loan leads may or may not close and have only 8% - 10% chance of closing depending on the briskness of reply, lower quotes and trueness of the lead.
Aug 23, 2005, 13:51,
Real estate financing used to mostly be a predictable combination of a downpayment and bank mortgage. Now there are so many options, for mome buyers and investors.
Aug 23, 2005, 13:39,
There are some good reasons why you may want to offer seller financing when you sell your home or investment property. Here's how to be safe when you do.
Aug 23, 2005, 13:33,
How many ways are there to finance real estate? Who knows, but here are ten creative financing techniques to get you started.
Aug 22, 2005, 13:47,
The fastest and most effective way to start getting quality website traffic to your website is by using Pay Per Click Ads. Two of the most popular PPC (Pay Per Click) search engines are Google Ad words http://www.google.com which are featured on many websites including the monster of all search engines GOOGLE and Overture http://www.overture.com which shows your listings on sites like Yahoo, AltaVista, MSN, and more!
Aug 22, 2005, 10:35,
Research shows that the housing affordability gap is beginning to close, but sellers need to reduce prices within highly competitive market, due to the levels of unsold properties already available.
Aug 22, 2005, 10:13,
The time comes for all mortgage brokers and loan officers to consider spending some of their hard earned money by testing the waters of mortgage leads.
Aug 21, 2005, 12:10,
Whilst UK consumers as a whole may be trigger happy with their plastic, first-time home buyers show concern for financial protection
Aug 21, 2005, 11:54,
There are many reasons why borrowing against your 401(K) account is not a good idea. Here are a few of them, along with suggestions for how to borrow more wisely.
Aug 20, 2005, 12:14,
Home equity loans and lines of credit are useful tools for homeowners. They allow the homeowner to borrow against the value of his or her home for all kinds of purposes – home improvement, debt consolidation, vacations, and more.
Aug 20, 2005, 12:06,
Imagine an adjustable rate mortgage that allows you to pick one of four payment options on your monthly mortgage bill. It is an ARM on which the interest rate adjusts monthly and the payment adjusts annually, with borrowers offered options on how large a payment they will make. The options include interest-only, and a "minimum" payment that may be less than the interest-only payment. The minimum payment option results in a growing loan balance, termed "negative amortization".
Aug 19, 2005, 16:20,
Consumers can obtain a copy of their credit report for free at a Government-mandated Website. But only if they type the name correctly.
Aug 19, 2005, 16:16,
Most consumers are aware that a history of paying bills late or not at all can hurt one’s ability to obtain a loan.
Aug 19, 2005, 16:13,
There are companies that offer to “fix” problems on your credit report. Here’s what you need to know to fix the problems yourself.
Aug 19, 2005, 16:07,
Most consumers are aware that they have something known as a credit score. Few know what factors are used to create that score. Here are some details.
Aug 19, 2005, 16:03,
Identity theft is a problem that can affect most anyone, and it isn’t going to go away. Here are some more helpful tips on how you can avoid being a victim.
Aug 19, 2005, 15:59,
Those at risk for identity theft have a new tool at their disposal. The credit bureaus will allow you to monitor your credit activity.
Aug 19, 2005, 15:50,
There are times when it may make more sense to refinance than to take out a home equity loan. At other times refinancing is a poor idea. When should you refinance your mortgage?
Aug 19, 2005, 15:46,
Home equity loans have numerous advantages over other types of loans. Would this be a good choice for financing a car or a dream vacation?
Aug 19, 2005, 15:42,
Home equity loans are great for financing home remodeling projects, such as adding a room. For ongoing projects with a lot of small purchases and an open-ended timeframe, a home equity line of credit might be a better choice.
Aug 19, 2005, 15:34,
Given the huge increases in home values during the last five years, there is a tendency among homeowners to consider the increased equity in their homes as added wealth. That isn’t entirely true, and homeowners should be careful with this valuable asset.
Aug 19, 2005, 00:25,
So now the time has come to invest in Lead companies, but how do you know which one is the right one for you?
When I was a new loan officer, finding a lead company was not easy, I can remember logging onto Yahoo, typing in the key word ¡°mortgage leads¡± and being bombarded with links leading me in the direction of lead companies all claiming to have the best leads and the best deal for me!
Aug 18, 2005, 18:49,
Mortgage financing is a very competitive industry and lenders are currently offering extremely low interest rates and a variety of flexible loan programs.
Aug 18, 2005, 18:42,
As you ascend the dizzy heights of property investment, don’t lose your head and ignore mortgage research and advice.
Aug 18, 2005, 18:36,
With high prices and low interest rates, the lending industry has introduced a number of complicated loan types with adjustable interest rates. One of them, the option ARM, has the potential to financially crush the borrower.
Aug 18, 2005, 18:11,
After warnings from Federal banking regulators, mortgage lenders are offering more high-risk loans than ever. Here’s what prospective borrowers need to know.
Aug 18, 2005, 13:51,
Adding a home theater to your house will provide your family with entertainment and add value to your home. You can use a home equity loan or line of credit to add to your home’s equity.
Aug 18, 2005, 13:43,
Don’t be indifferent to the small print, as the loan may prove to be a life-long load and may hinder the legacy you leave for your children.
Aug 18, 2005, 13:32,
The “subprime” lending market targets consumers with below average credit, but sometimes even those with good credit can get stuck with less-than-ideal interest rates. Here’s what you need to know.
Aug 18, 2005, 13:17,
Today’s real estate market is a volatile one; prices are at record levels and Interest rates are favorable...
Aug 18, 2005, 13:00,
A new study by National City Corp. looked at home values for 299 American cities and compared them to where they “should be” based on a number of economic factors that determine home prices.
Aug 18, 2005, 12:55,
How to set the tone before you make the mortgage sale.
Aug 18, 2005, 12:49,
How to turn your satisfied customers into an army of motivated and convincing sales people.
Aug 18, 2005, 12:43,
How to write mortgage sales copy that gets results.
Aug 18, 2005, 12:32,
How to keep yourself driven to acheive your mortgage career goals.
Aug 18, 2005, 12:08,
broadcast advertising or direct advertising? What type of mortgage marketing should you be using?
Aug 16, 2005, 12:28,
Buying Mortgage Leads today, can be a difficult decision. Or, if you have purchased mortgage leads in the past, you may have run into problems. Here are some important facts to consider when making a purchase for mortgage leads.
Aug 14, 2005, 20:51,
**This report is a compilation of valuable research from the internet. We do not endorse any company or their products.
Aug 14, 2005, 11:42,
Mortgage Leads Can Be Targeted As Follows:
Exclusive and exclusivity
Targeted By area code
Targeted Zip Code
Our prospect questionairre form is the one of the highest in the industry.
Aug 13, 2005, 15:21,
Complete mortgage term glossary
Aug 13, 2005, 14:35,
Quality mortgage leads should contain at least the following fields listed in the mortgage leads sample below. Make sure that you are are getting the proper value for your investment. To evalute your investment make sure to utilize all tools available on this website:
Aug 12, 2005, 15:53,
Owning a home in California is an investment that anyone would love to make and California mortgage loan can make this a reality. The mortgage loan interest rates in California a at their all time lows at present and this situation is being lapped up by mortgage loan takers who are seeing their dream of owing a house in California come true. California has an ideal climate and presents a great destination for tourism as well as home buying
Aug 11, 2005, 01:35,
As loan officers, the word "lead" is by far one of the most common words we use during the day, it is the topic of many of our conversations, it is praised and cursed, it is good and it is bad, it is loved and it is hated, on bad days it is hard to find, and on good days it falls right into our lap
Aug 11, 2005, 01:17,
"What is your rate today?" prospective borrowers ask when they call up a mortgage lender shopping for rates. Well, there isn't just one rate. There is a choice of rates and the rates are very similar from one lender to the next - perhaps identical.
Aug 10, 2005, 22:44,
Mortgage leads that close, that's what we are looking for when we purchase mortgage leads. It doesn't take a rocket scientist to figure this out. Anyone who invests money in internet mortgage leads has one main goal, closing the mortgage leads purchased. So how do you find mortgage leads that close or close the mortgage leads you purchase?
Aug 9, 2005, 23:53,
Most individuals who buy real estate properties make a down payment (usually between 5% and 20%) and finance the balance through a lender. For example, a buyer who makes a 10% down payment on an $80,000 property is essentially paying $8,000 cash to the seller and is financing the remaining $72,000 (90%) in the form of a mortgage. This is referred to as a 90% loan to value (LTV) mortgage because the mortgage is equal to 90% of the property's value (in this case the sale price).
Aug 7, 2005, 13:06,
Eliminating debt and liability payments is important because it increases your monthly cash flow. Also it will increase your borrowing limit from lenders because you can make bigger payments easier. How I am about to show you how to eliminate debt is an alternative to debt consolidation.
Aug 6, 2005, 07:15,
The Internet has revolutionized the way consumer's evaluate, compare and choose mortgage products and services. Every day more and more mortgage shoppers utilize the Internet to study and purchase home mortgages. As a mortgage broker you must recognize this industry shift and learn to utilize this tool. Below we have compiled a list of the top mortgage lead search terms. This list should help you in your internet marketing efforts.
Aug 5, 2005, 01:18,
Ideas for creative real estate financing!
Aug 2, 2005, 00:36,
When you refinance your mortgage, you usually pay off your original mortgage and sign a new loan. With a new loan, you again pay most of the same costs you paid to get your original mortgage.
Aug 2, 2005, 00:31,
Another way to make a refinance work for you is to refinance for more than the balance remaining on your old mortgage -- in effect, tapping your home equity, or "cashing out," in mortgage speak. Thanks to favorable rates, you may be able to do so without boosting your monthly outlay. For example, at 8.5%, the payment on a $200,000, 30-year fixed rate mortgage is $1,538. But at 7.5%, that same payment lets you borrow nearly $20,000 more.
Aug 2, 2005, 00:26,
A point, which equals 1% of the total loan amount, is an upfront fee that reduces your monthly interest rate and total interest due over the life of a loan. This means that a one point loan will always have a lower interest rate than a no point loan. Paying points is in essence a trade off between paying money now versus paying money later.
Aug 2, 2005, 00:15,
Treasuries extended Friday's losses today on brightening prospects of economic growth leading to more rate hikes by the Federal Reserve.
Aug 1, 2005, 22:43,
The amount of your loan can increase your interest rate if the amount financed exceeds the conforming loan limits established by Fannie Mae and Freddie Mac.