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Mortgage Loans Fast

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mortgage ratesIn these difficult times it is even more important to manage your financial health as well as your personal health.

Learn about mortgages and what to look for when shopping for a mortgage. Mortgages are complex financial instruments that have many variables for you to know.

Mortgage Loan Calculators

One of the best ways to get started looking for a mortgage is to determine what you can afford in terms of down payment and monthly payments. Be sure to use accurate information when completing the calculator input so that your answer is reliable. A lender will want proof of your income and assets and will run a credit report to determine your debt expenses.

You are also assuring yourself that you can afford the payments. It does you no good to buy a house only to lose it a some future date because you can't swing the monthly payments.

Mortgage Loan Disclosures

Because of the complexity of mortgage loans, there are many government regulations regarding the information that must be disclosed to borrowers before, during, and after the mortgage process. These disclosures allow you to compare loan offers from several lenders to assure you are getting the best deal.

Mortgage Loans for Purchase or Refinance

Mortgage loans for purchase of real estate or the refinance of your present home, are offered at the best rates available. Compare several loan offers with just one application and then select the loan that has the best interest rate and terms for you. Apply now for a fast pre-approval.

Cash Out Refinance

Real estate values have been increasing at a rapid pace so chances are your home is worth more than you think. This may enable you to take a cash out refinance mortgage and use the funds to pay down debt or for home improvement. Check out your options here.

Construction Loans

Thinking of building your new home? Find out what you need to know about construction loans. You can start here with the basics of construction loans including learning all the construction buzz words.

Shopping for a Mortgage

Once you have enough information about mortgages to go shopping, consider the best way to get offers from at least three different mortgage lenders. By submitting your application to an online mortgage broker, you only have to fill out one application to get multiple offers.

When you get the offers you can compare the disclosures that will indicate interest rates, points, fees, and terms of the loan. Now you have an easy way to make an intelligent decision.

Financial Tips for You

Jul 27, 2021
Mortgage Rates to rise in 2022
Federal Reserve Indicates Higher Rates
The Federal Reserve is getting more concerned about price hikes and wage increases beginning a new round of inflation. Their response will be to raise interest rates as soon as early next year. That means mortgage rates will rise and homeowners will lose the benefits of refinancing to a lower interest rate loan. Or new homebuyers will be caught with rising interest rates and rising costs of homes. Make your move now and get qualified for a purchase mortgage or for a refinance mortgage. More info...

Jul 15, 2021
Shop for a Car Loan
Be Smart and Save
Shop for an auto loan before going to the car dealer or refinancing your present loan. Fill out this fast application and get immediate approval. Compare several offers and pick the best one for you in terms of interest rate, loan term, and monthly payment.
You can also refinance your auto loan the same way. Compare your present payment with a new lower payment and see how much you can save every month.
The cost of a car is one thing, but the cost of a loan is another. Be smart and get the best deal on both the car and the loan. More info...

Jul 15, 2021
Bad Credit Loans
Get Yourself Out of Financial Trouble
When your income is drastically reduced the first place you look to save money is by not making loan payments. This can have a serious effect on your credit report which will in turn effect your ability to borrow money. If this has happened to you, there still may be ways to borrow money with a special bad credit loan. You can request up to $10,000 in one fast application. More info...

Jul 15, 2021
Best Credit Cards for Rewards
Use Cash Rewards for Anything
Credit Cards as Financial Tools
Credit card companies include Chase, Bank of America, Wells Fargo, Citi, Capital One, and HSBC. You can choose the best card for you in terms of cash rewards and 0% interest. More info...

Jul 14, 2021
Mortgage Insurance Disclosure
Sample Disclosure
As a condition to making your mortgage loan, the Lender is requiring you to obtain Private Mortgage Insurance (PMI) PMI insures the Lender for losses incurred should you default under your mortgage: particularly, PMI insures the Lender for that percentage of your mortgage loan that is in excess of 70%
for Non-Owner Occupied, 75% for cash-out refinances, and 80% for all other programs, of the value of the mortgaged property. Please note on the 80/10/10-loan program PMI coverage cannot be canceled for five (5) years, and on Investment Property Loans with PMI coverage, for seven (7) years. More info... More info...

Jul 14, 2021
Mortgage Turned Down?
Subprime Loans
These loans are available through local lenders who take the loan applications and then sell the loans to the investment bankers. But what exactly are subprime loans? Subprime loans are made to people who have a history of not making payments on their debts in a timely manner. Although they have a somewhat shaken reputation, they serve a real need for some borrowers. And when used properly can help you build your credit and refinance to a lower rate loan in the future. More info...

Jul 8, 2021
RV Rentals for Your Vacation
Book Your RV Now
Join the RV movement. By renting an RV, the whole family can travel safely and enjoy a new adventure. There are RVs of every size and budget and you can book safely through RVShare where you can search among thousands of available RVs. More info...

Jul 7, 2021
Florida Hotels and Vacation Rentals
Book Now For Labor Day Weekend
Many vacationers are choosing to drive to their vacation destination and to rent a house for the isolation they want. Florida offers one of the largest selections of rental homes in the country, and many within easy driving distance of the Southeast United States. More info...

Money Smart News Continued...

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