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Home Purchase Articles

Purchase Mortgage

Home Purchase Loan Resources | Learn everything there is to know about a home purchase loan and get the best rate possible...

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Low Down Payment Mortgage

February 23, 2019

Low down payment mortgage programs do exist. You don't need a 20% down payment? Choose from a number of low or zero down payment options, depending on your...

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Fannie Mae's HomeReady Low Downpayment Mortgage

Betsalel CohenJanuary 20, 2019

The HomeReady Mortgage offered by Fannie Mae is an attractive alternative for low to middle-income homebuyers, with decent credit. Compared to...

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Freddie Mac's Home Possible Low Downpayment Mortgage

Betsalel CohenJanuary 19, 2019

The Home Possible Mortgage offered by Freddie Mac helps first-time low-to moderate-income homebuyers by offering a three-percent down payment. Compared to ...

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Home Affordability Index Overview

Betsalel CohenJune 18, 2018

A home affordability index looks at home prices, income, and other factors to see how easy or difficult it is to purchase a home. Check out how you match up...

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Home Prices Overview

Betsalel CohenJune 17, 2018

Home prices greatly affect your ability to purchase a home. Home prices fluctuate over time, as well as over geographic region. Finding an affordable house...

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Home Affordability in 2018

Betsalel CohenApril 29, 2018

Buying a home is a major concern for many households. Will rising mortgage rates be offset by higher wages? Will rising home prices make it impossible to...

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Freddie Mac's HomeOne Low Downpayment Mortgage

Betsalel CohenApril 29, 2018

Are you considering purchasing a home? Do you have a small down payment? Then, consider the newest Freddie Mac High LTV, low down payment option, the HomeOne...

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Reasons Households Prefer Renting 2018

Betsalel CohenApril 23, 2018

Many households cannot afford to buy a home. Affordability is the main reason for renting a home. The second main reason is lifestyle options. If you are...

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Should You Rent or Buy?

Betsalel CohenApril 19, 2018

Rent vs Buy? Not easy to make a decision. Start by considering your lifestyle preferences. Then, look at your financial situation, including your budget and...

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Is Homebuyer Counseling Beneficial?

Betsalel CohenMarch 18, 2018

A recently published paper shows that Homebuyer Education and Counseling programs are beneficial. They help create more informed consumers, who make better...

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Mortgage Insurance Popularity Growing

Betsalel CohenMarch 11, 2018

Many first time home buyers are using Private Mortgage Insurance together with conventional low down payment mortgages. Instead of using FHA loans, borrowers...

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Rising Mortgage Rates and Affordability

Betsalel CohenMarch 4, 2018

Mortgage rates are on the rise in 2018 making it more difficult to buy a home. However, even if mortgage rates go up you may still find it possible to...

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PMI: Low Down Payment

Betsalel CohenApril 9, 2015

PMI | If you are looking to buy a house and take a mortgage loan with a low down payment then PMI can...

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Mortgage Laws

Mark CappelFebruary 18, 2015

Learn if your state mortgage laws require both spouses to sign mortgages or mortgage refinances. Some states require you to hire a lawyer, or a special notary.

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Mortgage Tips - Getting Qualified for a Mortgage

Betsalel CohenJanuary 30, 2015 mortgage tips will help guide you through the shopping process. The first step is to get qualified for a mortgage. You can save the most money...

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Fit Your House to your Family

Betsalel CohenDecember 18, 2014

A growing family is a great time to re-consider your housing needs. The first step you need to take is to set your limits. Make sure that your mortgage is...

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Infographic: Home appreciation by the numbers

Rotem SegalNovember 22, 2013

An infographic showing home appreciation in the US by state, the national median home price, YoY increase in home prices and some foreclosure statistics

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Home Affordability | Regional HOI Index

Betsalel CohenMay 21, 2013

Home Affordability varies over different regions and neighborhoods. Make sure that you look at local data and prepare your finances so that your income...

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Home Affordability Index Tips

Betsalel CohenMay 16, 2013

Before buying a home and taking a mortgage learn about Home Affordability. Housing prices, income, and interest rates are important factors to consider when...

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Home Affordability: Preparing for the 2013 Housing Market

Betsalel CohenJanuary 6, 2013

Housing Market 2013 and Home Affordability: There are signs that housing prices and mortgage rates will increase in 2013. Make sure that you can afford...

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No Down Mortgage TeamDecember 14, 2012

The VA, USDA, and some local governments offer no-down mortgages. If you do not qualify, you have several good options for low-down mortgages from...

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Real Property Law

Mark CappelNovember 7, 2012

Details on joint tenancy, tenancy in common, and tenancy by the entirety, and under what circumstances you should chose one of these forms of title...

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One Spouse on Mortgage

Mark CappelOctober 16, 2012

There are three reasons to consider a joint mortgage, and five reasons for one spouse on a mortgage. This article explores the...

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Pre-Approval and Pre-Qualify for a Mortgage Loan

Betsalel CohenOctober 14, 2012

Mortgage Pre-Qualification and Pre-Approval | Before you purchase a home or refinance a mortgage make sure you are prepared to qualify. Ask the lender for a...

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Credit Union Mortgage Rates

Mark CappelOctober 9, 2012

Credit Union | You may find lower mortgage closing costs at your local credit union. Consider a credit union if your state charges an intangible tax...

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Down-Payment to Buy a Home

Daniel CohenOctober 7, 2012

Down-Payment to Buy a Home | Although your down payment may require you to use more cash than any other part of your home purchase, make sure to account for...

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Jumbo Mortgage TeamOctober 4, 2012

If you seek a jumbo mortgage, let help you sort out the limits and what types of jumbo loans are best suited for your needs.

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Mortgage After Foreclosure

Mark CappelSeptember 27, 2012

Learn the waiting period for qualifying for a mortgage after bankruptcy, foreclosure, and short sale. Also learn how to recover from these events.

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CFPB Mortgage Disclosure

Mark CappelJuly 13, 2012

The CFPB wants mortgage disclosures to be short and simple. Its Loan Estimate and the Closing Disclosure forms aim to...

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Home Purchase Mortgage Rates | Shop and Compare

Betsalel CohenJuly 1, 2012

Compare Home Purchase Mortgage Rates | When shopping for a home purchase loan make sure that you compare mortgage fees and mortgage rates. The best rates are...

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No Credit Check Mortgage Lenders

Mark CappelJune 15, 2012

Yes, it is possible to find a lender who will lend you money if you have no or poor credit. But the circumstances for doing so are not common...

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Home Loans For People With Bad Credit

Mark CappelJune 14, 2012

Learn about government programs to help homebuyers who have bad credit. You may be eligible for a no- or low-down payment loan...

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Best Mortgage Lenders

Mark CappelJune 7, 2012

Because lenders are constantly changing their underwriting standards, incentives, and interest rates, a good deal from one lender today might be...

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Top 10 Mortgage Lenders

Daniel CohenJune 7, 2012

The top 10 mortgage lenders in 2011 were Wells Fargo, Chase, Citi, Bank of America, US Bank, GMAC, PHH, Quicken...

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The Costs of PMI

Betsalel CohenFebruary 2, 2012

Mortgage Insurance | Learn about the different types of Mortgage Insurance, the Mortgage Insurance Companies, and the different factors in the cost...

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How Much Mortgage Can I Afford TeamJanuary 30, 2012

Learn how much mortgage you can afford, and the top 10 documents lenders require from borrowers. Most make financial sense, but No. 1 may surprise you...

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Dodd-Frank Act

Daniel CohenApril 29, 2011

Dodd-Frank was disguised as a consumer benefit. However, it was created so that brokers are no longer competitive with banks, which are exempt from Dodd-Frank.

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Why is My Loan Taking so Long?

Daniel CohenApril 12, 2011

Added costs and repeated information requests contribute heavily to mortgage borrower fatigue. Ultra-strict Fannie Mae and lender underwriting guidelines are an

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Coalition against home down payment

Fernando PaezMarch 22, 2011

A coalition of housing organizations and consumer advocates protested a hike in the required down payment for home mortgages.

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Mark CappelFebruary 2, 2011

NACA | NACA, Neighborhood Assistance Corporation of America, is a non-profit organization offering mortgage origination, refinances, HUD-approved mortgage couns

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Qualifying For a Mortgage

Daniel CohenDecember 6, 2010

Qualifying for a mortgage | Qualifying for a mortgage means meeting a lender's standards for income, credit, debt-to-income ratio, and loan-to-value. Be sure...

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Mortgage with Bad Credit

Mark CappelDecember 1, 2010

Do you want to purchase a home, but have bad credit? Review the right steps to take to buy a house, when you are burdened with bad credit, at

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First Time Buyers TeamDecember 1, 2010

Find first time homebuyer information and resources from - your online source for saving money. Learn what you need to know as a first time homebuyer.

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Tips for Home Buyers TeamDecember 1, 2010

Buy a new home before you sell your current one with these home buying tips from

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Choosing a Real Estate Agent

Daniel CohenDecember 1, 2010

Learn how to choose a real estate agent and make your home selling experience trouble free.

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Home Loan Application TeamDecember 1, 2010

Learn what you need to do to prepare for your home loan application.

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Buying a Home in Today's Market

Fernando PaezNovember 17, 2010

Undervalued homes, low interest rates, and less competition make now an ideal time to buy a home.

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Buying a Home Step 6: Seal the Deal

Betsalel CohenNovember 4, 2010

Buying a Home Guide - Seal the Deal | After finding the mortgage right for your situation, make sure that you carefully review the closing documents and...

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Buying a Home Step 4: Home Inspection, Title Search

Mark CappelNovember 3, 2010

Remember that your good faith estimate is just that: an estimate. Closing costs may vary.

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