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Mortgages Articles

Mortgage Payment Coupon Book

Mark CappelMarch 1, 2024

Need help getting your mortgage payment coupon book? Let Bills.com help you for free with advice and tips.

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Investment Property Mortgage

Betsalel CohenMarch 1, 2024

Removing ex-Spouse from Investment Property | Removing a spouse from an investment property mortgage is not possible, if you can't qualify for a refinance...

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Quiet Title

Mark CappelMarch 1, 2024

Quiet title | An action to quiet title is a lawsuit brought in order to establish a party's title to real property. Due to the problems with MERS, anyone...

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LPMI

Daniel CohenMarch 1, 2024

LPMI | LPMI is not a free lunch -- homeowners pay for LPMI in higher interest. It is also a bad deal if you plan to own your home long enough to exceed 22% of e

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Adding a Spouse to a Mortgage

Daniel CohenMarch 1, 2024

Free advice on what to do, if you want to add your spouse to your home mortgage loan

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Spouse Not On Mortgage

Mark CappelMarch 1, 2024

The letter to the county clerk is often just called 'recording instructions' or something equally non-descriptive. It is prepared by the title company or escrow

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Mobile Home Financing

Daniel CohenMarch 1, 2024

Free tips on how to source the best mobile home loan.

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Sell My House

Mark CappelMarch 1, 2024

Sell My House Back to the Bank | Banks don't take homes back easily. Try modifying the mortgage to avoid foreclosure. Also, look into a deed-in-lieu or...

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Mortgage Calculator

Mark CappelMarch 1, 2024

Mortgage Calculator | Mortgage Calculator tips from bills..com Use our easy-to-use mortgage calculator to see which which mortgage loan is best.

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Debt To Income Ratio Tips

Daniel CohenMarch 1, 2024

Debt To Income Ratio | Debt To Income Ratio Tips and advice from bills.com. Review what you need to know about a DTI ratio.

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Mortgage Scam

Mark CappelMarch 1, 2024

Mortgage Scam | The details of a mortgage can be complex. Mortgage scams often involve land speculation, straw buyers, inflated appraisals and...

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Name On Mortgage

Mark CappelMarch 1, 2024

Make one spouse a financial and credit history life boat. If a couple's financial world is turned upside down one spouse will have a strong credit history to re

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Home Account is the Best Way to Apply for Online Mortgage Loan

Bills.com TeamMarch 1, 2024

A review of Home Account - the coolest new way to shop for a mortgage online, and just may be the Best Way to Apply for an Online Mortgage Loan.

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RESPA & Escrow Account

Mark CappelMarch 1, 2024

Under RESPA, a mortgagee is allowed to require an escrow account as a condition of you, the mortgagor, doing business with it.

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Handyman Special

Mark CappelMarch 1, 2024

If the value of comps are in the $26,000 range, then you should pay $1,000 because the appraisal price is unrealistic and $1,000 is what the net value of the ho

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Mortgages FAQ

Mark CappelMarch 1, 2024

Learn how much you can afford to borrow, and how to qualify for a mortgage.

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Conforming Loan Limits 2019

Betsalel CohenMarch 1, 2024

Conforming Loan Limits for 2019 increased. The FHFA announced new loan limits for Fannie Mae and Freddie Mac loans. Due to rising home prices, the baseline...

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REO Rental

Mark CappelMarch 1, 2024

REO to rental idea advanced by Federal Reserve aims to stabilize home prices by selling foreclosed homes as rental units.

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Mortgage Insurance Deduction

Daniel CohenMarch 1, 2024

The mortgage insurance deduction allows homeowners who itemize their deductions and pay MIP or PMI to deduct that amount from their income taxes.

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Fannie Mae's Tight Lending Guidelines

Betsalel CohenMarch 1, 2024

Fannie Mae's Tight Lending Guidelines | Even qualified mortgage borrowers with 740+ credit scores, steady employment, high income-to-debt ratios, and ...

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Second Mortgage Rate

Fernando PaezMarch 1, 2024

Second mortgages can save you money if the rate for the first mortgage is high and you can't refinance it.

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No Closing Cost Refinances

Betsalel CohenMarch 1, 2024

Lenders often define 'no-cost' refinancing differently, so be sure to ask about the specific terms offered by each lender. Basically, there are two ways to avoi

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Libor ARM

Fernando PaezMarch 1, 2024

Libor ARM | Libor ARMs depend on London InterBank offers to adjust your mortgage rate and still have some risk.

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Unstable Housing Prices

Bills.com TeamMarch 1, 2024

Home prices have steadily increased, but have stopped and may remain volatile for the upcoming months.

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Mortgage Application Steps

Mark CappelMarch 1, 2024

Applying for a mortgage, whether a refinance or a purchase, takes time and effort - understand the steps.

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Good Faith Estimate (GFE)

Betsalel CohenMarch 1, 2024

Since January 2010 a new Good Faith Estimate (GFE) has been mandated by the department of Housing and Urban Development (HUD). We help you to understand it

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Mortgage Refinancing Cost

Anthony GarciaMarch 1, 2024

Learn about the cost of refinancing your mortgage. Find out if you should refinance into a lower rate today.

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Mortgage Closing Cost

Anthony GarciaMarch 1, 2024

Learn about the closing costs of a mortgage refinance from the Bills.com mortgage experts.

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Private Mortgage Insurance Info

Anthony GarciaMarch 1, 2024

PMI and private mortgage insurance video tips from Bills.com. What you need to know about PMI.

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What Is LTV?

Anthony GarciaMarch 1, 2024

Mortgage Calculator video tips from Bills.com. Ethan Ewing, President of Bills.com, gives you free information on Loan-to-Value, also known as 'LTV.'

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Divorce & House

Mark CappelFebruary 29, 2024

I am not aware of any waiting period in any state that person must wait before refinancing or securing a new loan following a divorce. Start your shopping now.

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Wells Fargo scam?

Mark CappelFebruary 29, 2024

Wells Fargo Scam? | It is not a scam to charge for an appraisal up-front. Before paying for an appraisal, you should be confident that your value...

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Deceased Ex-spouse and Mortgage

Mark CappelFebruary 29, 2024

At death, the mortgagee will want the joint mortgagor to continue making payments. Since you are listed on the mortgage, you will be responsible for the paymen

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Mortgage Cosigner

Mark CappelFebruary 29, 2024

Mortgage Cosigner | A mortgage cosigner should carefully consider the risk of assuming full responsibility on the loan. Lenders require the primary borrower..

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Lease to Own Rentals

Mark CappelFebruary 29, 2024

Can I offer a least to own rental agreement?

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Credit Check Mortgage

Mark CappelFebruary 29, 2024

Whether your bank does a second credit check after you qualify for a mortgage is really up to your bank.

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Consolidate Debt With New Mortgage

Mark CappelFebruary 29, 2024

The mortgage party is over, and scrupulous mortgage brokers who now need to pass a federally administered examination to work in the field play by the book.

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Mortgage Lien

Mark CappelFebruary 29, 2024

Mortgage Lien | If there is a deficiency balance after foreclosure, the lender may seek a judgment and personal liens. Check your states anti-deficiency laws...

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15-Year Mortgage Loan | Lower Costs

Betsalel CohenFebruary 29, 2024

15-Year Mortgage Loan | You can save money and build equity by taking a 15-year home purchase or refinance mortgage loan. Make sure that you can....

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Hard Money Lenders

Mark CappelFebruary 29, 2024

Hard money lenders provide short-term secured loans for people who need funding for tactical purposes. Hard money loans can bridge loans...

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HUD Organization and Loans

Betsalel CohenFebruary 29, 2024

HUD | The Housing and Urban Development Dept. oversees the federal government's housing policies. Learn about HUD and HUD loans, including FHA loans and...

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30-Year Fixed Rate Mortgage

Betsalel CohenFebruary 29, 2024

30-Year Mortgage Loans | If you are looking for a purchase home loan or a refinance mortgage loan, start with a 30-Year mortgage loan that offers affordable...

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Interest Only Mortgage

Betsalel CohenFebruary 29, 2024

Interest Only Mortgage Loans | If you have fluctuating income, end of year bonuses then you might consider an Interest Only Loan, but learn if it...

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Forty Year Mortgages

Betsalel CohenFebruary 29, 2024

40-year mortgage loan | A 40-year mortgage loan has low initial payments. However, it is a rare product and carries risks. Learn the different alternatives...

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10 Year Fixed Mortgage Loans

Betsalel CohenFebruary 29, 2024

10-Year Mortgage Loans | If you want to finish your mortgage loan quickly, than a 10-year FRM (Fixed Rate Mortgage) is an alternative, but...

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Mortgage Calculator

Anthony GarciaFebruary 29, 2024

Mortgage Calculator Video Tips from Bills.com.

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Debt to Income Video

Anthony GarciaFebruary 29, 2024

Learn about Debt to Income (DTI) and get mortgage refinance tips from Bills.com

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Refinance Tips Video

Anthony GarciaFebruary 29, 2024

Video on how to Refinance My Mortgage. Ethan Ewing, mortgage expert and President of Bills.com, explains how to refinance a mortgage loan.

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Refinancing Tips

Anthony GarciaFebruary 29, 2024

Five tips on Mortgage Refinance Loans and how to get the best loan in the shortest time.

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Getting a Mortgage Loan

Anthony GarciaFebruary 29, 2024

Advice and tips, from Bills.com President Ethan Ewing, on getting the best deal on your mortgage loan online.

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