Adjustable Rate Mortgages - Understand the Benefits Compared to a Fixed Rate Mortgage
Adjustable rate mortgages can be very tempting to home buyers, yet they carry a great deal of uncertainty. Fixed rate mortgages offer rate and payment security, but they are more expensive. It is important to weigh the pros and cons of ARMs and fixed rate mortgages before you decide which is right ... more...

Understanding a UK Commercial Mortgage
In many ways a commercial mortgage is just like a residential mortgage in that you pledge real property as collateral against a loan to either buy or refinance that property. You can also receive a commercial re-mortgage and use it as a line of credit for any business purpose.When you use a ... more...

Adjustable Rate Mortgage Basics
Lenders designate Adjustable Rate Mortgages with a series of numbers. You will see loans designated 1:1, 3:2 or even 5:1. These numbers tell you the number of years your mortgage will have a fixed rate and how frequently after that your interest rate will be changed after that. For example a 1:1 ... more...

10 Things to Look for in a Home-Equity Line of Credit
If you are a homeowner, you've probably received offers to apply for a home equity line of credit (HELOC). Handled with care, home equity credit lines can be an excellent way to improve financial flexibility, provide readily available cash reserves for emergencies, or pay for large expenses (like ... more...

Short Term Savings Products
When you invest, it simply means that you are putting your funds in products, in this case short-term savings vehicles, which will allow you to reap high financial rewards.Here is a list of the more common short term savings products you should consider investing in.Savings account: If you are ... more...

Best Refinance Mortgage Rate - Improve Your Odds of Getting a Low Rate
Obtaining a mortgage refinancing has several benefits. However, the only way to realize these benefits is to qualify for a low rate mortgage. Even though refinancing a home is ideal for securing a fixed rate mortgage, without acquiring a lower rate, you may not save on your monthly mortgage ... more...

Can The Home Loan That is Best For Your Bank Also Be Best Mortgage For You?
A Bank is a Business and they make their money on Markup just like any other business. In the Case of a Bank Loan the Markup is really the Spread (Difference) in the interest rate the bank pays and the interest rate the bank receives. So the loans with the biggest Spreads are best for your bank. ... more...

Top 10 Things to Consider on Home Loans
Here are our Top 10 most important things to consider when shopping for a Home Loan, Equity Line of Credit, or Refinance, courtesy of Loans-Directory.Org:Down-PaymentFixed Versus Adjustable RateAPRLoan TypesLoan Amount Qualification, IncomeLoan Amount Qualification, ExpensesEmployment and Credit ... more...

It's High Time for a Lower Credit Card Rate
How would you rate your credit card interest rate? Unfortunately, this is a simple question that few consumers take the time to ask, and it can be a costly oversight. High interest rates on your credit card balance can inflict some heavy damage on your wallet. A higher rate means higher finance ... more...