CONSUMERS - Your Mortgage

15, 30, & 40 Year Loans

Are 40-year mortgages a good idea? What about a 15-year v. 30 year loan? What about splitting my mortgage in two and paying bi-weekly?

All Cash

What about an all-cash offer?

Alternative Loans

What are the risks of "b" and "c" loans?

Assumable Loans

Are FHA loans assumable? How do you find out if a loan is assumable? What is a wrap-around loan?

Bankruptcies & Foreclosures

Can I refinance after bankruptcy? How bad is a previous foreclosure on credit? How do you clear up bad credit? How long do bankruptcies and foreclosures stay on a credit report? What can I do if I have bad credit? What options are there after Chapter 11?

Credit

How do I find out what my credit report says? How do you clear up bad credit? How long do bankruptcies and foreclosures stay on a credit report? What do I do about bad credit? What do I do if I get turned down for a loan? What exactly is bad credit? What if there is a credit reporting mistake on my report? Where do I get a copy of my credit report? Where do I get information on consumer credit laws? Will bad credit prevent someone from getting a home?

Easy-Qualifier Loans

Can someone who is unemployed get a loan? What are no-doc loans?

Fannie Mae

Are there Fannie Mae programs for inner cities? How can Fannie Mae help a home buyer? What is Fannie Mae's low-down program? What is the Community Home Buyers program? Who is Fannie Mae?

Federal Housing Administration

Are FHA loans assumable? Are there gov't programs for rehab? Are there programs for fixer-uppers? Can I get a HUD home for as little as $100 down? Do FHA loans require impound accounts? Do you have to buy HUD homes through a realty agent? How do you find government-repossessed homes? How does FHA work? Rules for a FHA Loan? What are rates for FHA and VA loans? Which lenders offer FHA loans?

Interest Rates

Are interest rates negotiable? How are the rates set for seller financing? How do adjustable-rate loans change? How do I monitor my ARM loan? How do you choose between fixed and adjustable rates? How do you get a low-interest rate loan? How do you lock in an interest rate? Tell me more about ARMs? What are rates for FHA and VA loans? What are the most popular ARM indices? What is APR? What is the value of a mortgage lock-in? Where are interest rates headed? Where can I get adjustable-rate loan info?

Lock-Ins

Do you advise a lock-in on a home loan? How do you lock in an interest rate? What is the value of a mortgage lock-in? Where do I get information on lock-ins?

Low Cost Loans

Is there such a thing as a no-cost or no-fee loan? What about these ads for no-cost loans?

Low Down Loans

Are there alternatives to low-down-payment loans? Are there low-down-payment home loans? Can I get a HUD home for as little as $100 down? Do I have to disclose a parent's gift? Do states offer help to home buyers? How can Fannie Mae help a home buyer? How do some of these low-down programs work? Is PMI always required on low-down home loans? Should I put more or less down, if we can afford it? What is a low down payment? What is Fannie Mae's low-down program? Where do I get information on PMI? Who do I call for a low-down-payment loan?

Mortgage Credit Certificates

Are there tax credits for first-time home buyers? What are the rules for mortgage credit certificates? What is the Mortgage Credit Certificate program?

Negative Amortization

Can I convert a negative-amortization loan to a regular loan? What is negative amortization? When is a negative-amortization loan a good idea?

No Money Down

Are there no-down payment home loans? Is equity sharing a good idea? What about nothing down?

Parent Gifts & Loans

Do I have to disclose a parent's gift? What is a gift letter?

Prepayment

What about splitting my mortgage in two and paying bi-weekly? What are the benefits of pre-paying the mortgage?

Prequalifying and Preapproval

How do you qualify as a first-time buyer? What can I afford? What do I do if I get turned down for a loan? What is the first step when looking for a home loan?

Private Mortgage Insurance

How do I drop PMI? Is PMI always required on low-down home loans? What does PMI cost? What is PMI?

Refinancing

Can I refinance after bankruptcy? What about these ads for no-cost loans? When is the best time to refinance? Where do I get information on refinancing?

Reversed Annuity Mortgages

What is a reverse mortgage loan?

State Programs

Do states offer help to home buyers?

Veterans Administration

Can National Guard vets, and other reservists, get VA loans? Do all loans require impound accounts? How does someone qualify for VA loans? What are rates for FHA and VA loans? What are VA programs? What if a VA loan is foreclosed on? Where do I get information on mortgages? Where do I get information on VA loans? Who can get a VA loan?

Whom to Contact (Government Loan Programs)

Where can I get a list of mortgage brokers? Where do I get information on correcting loan payments? Where do I get information on finding the best loan? Where do I get information on the secondary market? Where do I get information on VA loans? Where do I get information on who regulates lenders?

Whom to Contact (Home Loan Options)

How do I monitor my ARM loan? Where can I get a list of mortgage brokers? Where do I get information on correcting loan payments? Where do I get information on finding the best loan? Where do I get information on lease options? Where do I get information on mortgages? Where do I get information on PMI?

Whom to Contact (Other Mortgage Considerations)

How do I monitor my ARM loan? Where can I get a list of mortgage brokers? Where do I get information on correcting loan payments? Where do I get information on finding the best loan? Where do I get information on lock-ins? Where do I get information on mortgages? Where do I get information on refinancing? Where do I get information on who regulates lenders?

Whom to Contact (Qualifying)

Where can I get a list of mortgage brokers? Where do I get a copy of my credit report? Where do I get information about housing discrimination? Where do I get information on consumer credit laws? Where do I get information on finding the best loan? Where do I get information on mortgages? Where do I get information on who regulates lenders?