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| Mortgage Insider Articles
Real Estate Mission Accomplished Find out why the Bank Stress Tests may just be a farce after all. Real Estate PPIP and the Law of Unintended Consequences How do you spell epic failure? PPIP. Find out why the new Treasury program to buy toxic assets will be single biggest waste of taxpayer dollars in US history...and more importantly won't fix anything! Real Estate Multiply This! Anyone ever explained the "Multiplier Effect" to you? Find out how it works and a simple suggestion for how it might be better employed by Congress Real Estate So where are we living now? Why are so many people opposed to the housing bailout? Wouldn't that help save this economy? Find out why this bill may actually cause a spike in defaults and make matters much worse! Real Estate Suppose you were an idiot... Find out how the House version of the (next) $825B Economic Stimulus won't work and why. Real Estate Bailout Blunder and Plunder Palooza Are mortgage modifications working? Find out how Congress, the FDIC and some lenders are squandering your money now. Real Estate How to fix a "Credibility Crisis" This month's follow up with list of solutions to current economic crisis. Find out why "papering over" the problem will only add to it. Real Estate You Won't Believe What I found out The $700B Bailout is a sham and should be stopped while there is still a chance. Find out what these cheeseballs really did to get us all in this much trouble. Real Estate We should be Clear on What We are Bailing Out Total actual mortgage losses in the US will come in around $150B to $300B. So why is there $1.4 Trillion in "toxic mortgage debt"? Find out what they aren't telling you, and why another $20 Trillion debacle may be on the way... Real Estate Change I wish I believed in Learn why Fannie Mae and Freddie Mac really needed to be bailed out, and who is really getting paid by this bailout. Loan Programs Down Payment Assistance Changes The Mortgage Bail Out Bill had one bright spot. Find out how it modified the availability of Down Payment Assitance programs. Real Estate Freddie Mac, Fannie Mae, and Covered Bonds—Oh My! A lot of media attention has been on Fannie Mae and Freddie Mac. Find out if it is all hype or fact. Real Estate When is a bailout, not a bailout? Find out what politicians think is a bailout v. what you and I would call a bailout. And learn how you will end up paying for this twice out of your tax dollars in the long run! Real Estate Mr. Mozilo Goes to Washington Find out who in Washington benefited from "sweetheart deals" handed out by Countrywide's CEO Angelo Mozilo. Better yet, help prevent those very representatives from bailing out Mozilo in return! Real Estate Mortgage License Loophole in Colorado Colorado was one of just two states left without a license program for mortgage brokers. As it turns out, it may still be depending on where you work. Find out how to protect yourself as a consumer in Colorado. Insider Tips Will I still be able to Qualify? Some self employed borrowers wonder if they can still qualify for a home loan. Find out what products are left, how guidelines have changed, and the tiering of prices by FICO scores. Real Estate What happened to Jumbo Loans Many consumers are curious about Jumbo rates and why they are so high compared to other loans. Find out why and what the solution needs to be! Real Estate What a Lender Wants and Needs Before you meet with a lender, find out what you should set aside now, and how to prepare so you can be pre-approved! There are also some things you should avoid doing until your financing is complete. Real Estate Legislative Good Times Roll - part II There are a few good things happening with all the new legislation being passed. Find out what they are. Real Estate Legislative Good Times Roll Find out how politicians are really the source of the current housing slump and how they may make it worse for all of us! Real Estate When All is Lost If you have found yourself over your head in debt, find out what kind of relief may be available to you. If you plan on saving your house, you may still be able to get your other debt reorganized. Insider Tips Money Merge Accounts part II Part 2 of my review of the Money Merge Account. The idea is a great one, if you want to own your home free & clear. But my advice is to wait for the cost of competing software to come down Insider Tips Money Merged Accounts Anyone? Money Merge Accounts are being sold as a miracle of modern mortgage science. Consumers are told Europe and Australia has used them for years to own their homes in 8-10 years, with no change in lifestyle. Find out if you should believe the hype or not! Insider Tips Minnesota here we come Find out how new laws being proposed in many states may be a cure that is worse than the disease. You may want to arrange your loan sooner rather than later, if you are self employed! Real Estate You Have the Right to Rescind Loosing your home in a foreclosure is sad. In some cases it results from refinancing into the wrong loan. Make sure you know your rights include the right to rescind, before moving ahead with any refinance. Home Living Security Concerns Learn the that the most primary threat you face as regards identity theft, may be your own "social engineering" response. Stay one step ahead of the thieves by understanding their tactics. Real Estate It take two to Tango Learn something about the recent foreclosure rate in Colorado and how to avoid being duped by unscrupulous lenders in your own area! Loan Programs Why you should avoid Option ARMs altogether Find out why this type of loan should be avoided routinely. Arm yourself with the facts before getting duped into financial disaster. Home Living What Really Adds Value in a Remodel Find out what really adds value from an investment standpoint, if you are contemplating improvements to your home. Something may be necessary, but won't pay you back when reselling your home. Insider Tips Fraud Prevention Con't. There has been an explosion of identity theft and social security fraud in recent years. The internet has provided thieves with many new tools and scams. Find out how to protect yourself and your credit from these unscrupulous tactics. Insider Tips Fraud Apparently OK in Jefferson County Find out how easy it is to be a loan fraud in Jefferson County Colorado. Stealing social security numbers, filing bankruptcy and foreclosures as you go - no problem. Law enforcement a complete "no show" even with evidence in hand. Real Estate Getting the Homeowner's Insurance You Need Learn why having the proper coverage could save you thousands in the event of a loss. Find out why it is important to update this amount annually and ways to make that easy to do. Loan Programs A Better Bridge part 2 The second in a two part series. Learn how it may be possible to buy a new home, without selling your old home first. In this article we give ideas when you normally wouldn't qualify on a debt-to-income basis. Insider Tips What is YSP or SRP got to do with it? Find out what "Yeild Spread Premium" and Service Release Premium" are and how they can affect what you are truly paying for you new home loan. While harmless and ordinary occurence in most cases, it does hold the potential for substantial abuse. Learn how to protect yourself. Loan Programs A Better Bridge part 1 Find out what new strategies are available to use for bridging equity from you old home, to you new home. New programs allow more flexibility than ever Real Estate Questions and Answers Readers write in questions regarding downpayment assistance and tax deductability issues related to investment property. Find out how both these topic may affect you. Insider Tips Shopping for B&C Mortgage rates Find out how to shop effectively, even when your credit is damaged or dented. Protect yourself from price gouging and understand the best ways to get the best rate. Real Estate Marketable Title or NOT? Read a true story of one homeowner's struggle to file a claim with her title insurance company. Find out a new way to protect yourself from unsavory insurance business practices. Insider Tips How Do Credit Inquiries Really Affect You Recent changes at the major credit bureaus make it easier to shop for a mortgage, by tiering the effect of credit inquiries. Insider Tips Refinancing for Advantage Find out how to best decide if you should refinance or not. Insider Tips Avoiding another kind of Fraud Find out how to avoid being ripped off, simply because you are concerned about your credit. Discover that getting a second opinion is always the best idea! Loan Programs Option ARMs are anything but... There is nothing more dangerous than a greedy lender. Find out why you should avoid "Option" ARMs or anything other name for a loan with negative amortization. Insider Tips The Truth about APR Annual Percentage Rate or APR is not a good way to shop for a home loan. Find out how it is being manipulated to reflect an artificially lower rate! Insider Tips How can I increase my credit scores? Learn some insider information and technics, to help you improve your credit scores. Loan Programs The "No Fee" Loan Learn how "No Cost" or "No Fee" loans work. Find out if this option is right for you and how you can determine that for yourself Loan Programs What's up Doc? Find out what different types of documentation are available. Learn the difference between Low and No Doc loans and how to apply these to your advantage! Home Living Avoiding Fraud & Indentity Theft part 2 Follow up to last month's column. Learn a series of keys to keep your identity safe and protected. Home Living Avoiding Fraud and Identity Theft Find out if a "Fraud Alert" is your best move, to avoiding identity theft and fraud. Home Living Protecting Your Home Water Quality Find out tips on helping to keep your home water safe to use, while protecting the environment at large. Real Estate How to Appeal your Property Tax Assessment Find out how to know if you should appeal your property tax assessment and tips on how to make a successful appeal at the assessors office Home Living Home Remodeling Learn how to find and hire the right Interior Designer for you Home Remodeling Project Insider Tips What is "Bait & Switch?" Find out how to avoid being a victim of "bait and switch" pricing scams. Arm your self with technics to keep you out of harms way! Insider Tips Divorce & Home Finance Find out how to survive a divorce, and keep your finances in tact. There are several new kinds of loans that may make it a whole lot easier than you think. Home Living Home Health: Minimizing Dust & Mites A collection of tips on minimizing dust and improving your health. Real Estate Home Buying: Pre-approve Your Neighborhood Author discusses the reasons you should know the neighborhood before buying into it. Home Living Home Basics: Creating a Sense of Space Author discusses simple techniques for giving a room a larger feel. Home Living Using a Reverse Mortgage to help finance Long-Term Care Explore the creative use of Reverse Mortgages as an Alternative to finance the cost of Long-Term Care Insurance Premiums and more... Loan Programs Reverse Mortgages for Seniors Reverse Mortgages allow Seniors to stay in their homes longer. Find out how this program may help you or your loved one! Insider Tips Protecting youself with a Good Faith Estimate Find out how to read a Good Faith Estimate properly, and why shopping for APR is not a good way to get the best price. A must read for anyone trying to compare lenders and get the best price! Insider Tips New Ideas in Bridge Financing Find out how to prepare to buy your next home, even if you current home doesn't sell first. Using lines of credit creatively, may make the transition virtrually worry free! Real Estate Taking Title as "Joint Tenants" An in depth look at the origins and implications of taking title as "Joint Tenants". Since this is the most popular form of title for married couples, it pays to have an understanding! Loan Programs "Nothing Down" Home Financing Find out how to finance a home with NO MONEY down, using standard mortgage products. Insider Tips Creative Downpayment 101 Learn creative ways to come up with a down payment Home Living Making Your Home Burglar-Proof One of the most effective things you can do to deter someone entering your house is to project that your house is occupied whether you are on vacation or you're just out for the day and evening. Here"s some proven ways to do that. Real Estate New Tax Law May Benefit You If you look in the right places, you may find breaks in the new tax law passed by Congress last year. There are breaks for students, parents, investors, retirees and those who are selling their home. Here's a summary of how the new tax law may benefit you... Insider Tips The "FREE" or "NO-COST" Loan Several readers have asked about "Free" or "No-Cost" loans. in this article we will show you how to get a no closing cost loan  |
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