Real Estate: Will the Mortgage Lending Market Hit the Wall?
At a distance, it is hard to tell when a freight train is about to hit a wall. You might hear screeching, whistle blowing or even screams just minutes before. But what about the drunken mortgage lending market? What sounds should we expect to hear as this market speeds toward the proverbial wall? ... more...

Tips On Refinancing Your Home - When To Convert To an ARM
Common advice tells borrowers they should refinance their adjustable rate mortgage (ARM) to a fixed-rate mortgage. However, there are times when it makes better financial sense to do the reverse. The prime reason is that an ARM provides lower rates.Low Interest Rates Of An ARMAn ARMs primary ... more...

Open the Cash Vault Inside Your Home
Believe it or not, many people do not understand equity and the power it provides.In its purest form, equity is money. With regard to real estate (specifically, your house or other investment property), equity is measured in terms of the value of the property minus what you owe. So, if your home is ... more...

Bad Credit Mortgage Refinancing - 3 Reasons to Refinance for a Better Rate
Individuals with bad credit often assume that it is impossible to obtain a refinancing or home equity loan. However, this assumption is false. Because a new mortgage and home equity loan is protected by your home, mortgage lenders are more eager to offer money. Do not allow bad credit to ... more...

Sub-Prime Mortgage Loans - Things You Should Know About Sub-Prime Mortgages
Sub-prime mortgages are not that much different from average mortgages. They have interest rates, points, and fees. They can be compared online, and they have seasonal trends. The only real difference is that as a borrower with a less than stellar credit record, you will have to pay a slightly ... 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...

Fees Paid To Brokers By Mortgage Lenders Are Far Too High
Procuration fees paid by some sub-prime lenders are too high.Fact.There can be no justification for some of the fees paid by lenders. Proc fees of 2.75%-plus are simply deplorable when it is clients who will ultimately pay the price through an extra loading on the interest rate they pay, be it at ... more...

Second Mortgage Sub Prime Lenders For Bad Credit
Sub prime lenders offer second mortgages to people with bad credit. Charging slightly higher rates for the higher risk level, sub prime companies help you access your home's equity. With so many lenders online, vying for your business, you can find better rates by shopping around. Even with poor ... more...

Houston Mortgage Rates
A mortgage rates vary according to the type and the duration of the loan. There are three types of mortgage rates:1. Adjustable Mortgage Rate 2. Fixed Interest Rate 3. Variable Interest RateA mortgage with an adjustable interest rate takes into consideration that an interest rate may change ... more...