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If you’re shopping for a mortgage, you need to decide whether to choose one with a fixed or adjustable interest rate. An adjustable-rate mortgage, or ARM, might be a good idea if you’re only planning to stay in your home for a short period of …
Homeownership is a dream for many people, but some take on more debt than they should. If you’re thinking about buying a house, consider your income and current and potential expenses. How Mortgage Lenders Decide How Much Applicants Can Afford Lenders look at the total gross …
If you’re thinking about purchasing an expensive home, it’s important to understand how jumbo and conforming loans differ, and the pros and cons of each. Choosing carefully could help you save a lot of money over the term of your mortgage. Key DifferencesA conforming loan …
A few lenders will negotiate the mortgage rate and number of points on a loan; however, this is more the exception than the rule with established lenders. As always, shop around and know the market before you enter a lender’s office. Rates are often published …
With about 56.7 million people living with a disability in the United States, according to Census Bureau data, there are plenty of disabled people who may need help buying a home. The good news is, help is available. Here are some laws and programs designed …
Paying off your mortgage early and living mortgage-free so you can use the money for other things—such as travel and an early retirement—can sound like a pipe-dream that’s impossible to get to, but it doesn’t have to be. If you have a 30-year mortgage, there …
