CONSUMERS - Your Mortgage

15, 30, & 40 Year Loans

Are there gov't programs for rehab? What about a 15-year v. 30 year loan? What about splitting my mortgage in two and paying bi-weekly? Are 40-year mortgages a good idea?

All Cash

What about an all-cash offer?

Alternative Loans

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

Assumable Loans

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

Bankruptcies & Foreclosures

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

Credit

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

Easy-Qualifier Loans

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

Fannie Mae

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

Federal Housing Administration

How does FHA work? Which lenders offer FHA loans? Do FHA loans require impound accounts? How do you find government-repossessed homes? What are rates for FHA and VA loans? Can I get a HUD home for as little as $100 down? Are there programs for fixer-uppers? Do you have to buy HUD homes through a realty agent? Rules for a FHA Loan? Are FHA loans assumable?

Interest Rates

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

Lock-Ins

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

Low Cost Loans

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

Low Down Loans

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

Mortgage Credit Certificates

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

Negative Amortization

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

No Money Down

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

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

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? How do you qualify as a first-time buyer?

Private Mortgage Insurance

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

Refinancing

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

Reversed Annuity Mortgages

What is a reverse mortgage loan? What is a reverse mortgage loan?

State Programs

Do states offer help to home buyers?

Veterans Administration

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

Whom to Contact (Government Loan Programs)

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

Whom to Contact (Home Loan Options)

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

Whom to Contact (Other Mortgage Considerations)

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

Whom to Contact (Qualifying)

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