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Mortgages Articles

Bad Credit Home Loans

Betsalel CohenJune 19, 2024

Bad Credit Home Loans | If you want to purchase a home and take a home loan, then bad credit will weigh you down. Prepare your finances and look for...

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Mortgage Loans with Bad Credit

Betsalel CohenJune 19, 2024

Bad Credit Mortgage Loans | Bad credit will weigh you down when looking for a mortgage loan. Learn how to prepare and what alternatives there are for...

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Bad Credit Lenders

Mark CappelJune 19, 2024

Private Lenders for Bad Credit | You have two good options if you have bad credit and need a loan. If you are a home owner, beware hard-money lenders, who...

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Find a Mortgage Lender

Betsalel CohenJune 19, 2024

Find a Lender | When you are looking for a mortgage loan, Bills.com helps you find the right lender to work with. The most important thing for you to do is...

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REO to Rental Program

Daniel CohenJune 19, 2024

REO to Rental Program | The Federal Reserve in their January 4th white paper on housing, proposed three areas to improve the housing situation, including...

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YOURgage | Quicken's Custom Loans

Bills.com TeamJune 19, 2024

Quicken Loans' YOURgage | Examine Quicken Loans' YOURgage. Understand the benefits of a custom mortgage program. Make sure you know how...

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Mortgage Underwriting

Betsalel CohenJune 19, 2024

Mortgage Underwriting and Mortgage Requirements | Learn about the mortgage underwriting process and how it affects your loan application. Be prepared to...

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Mortgage Analysis

Mark CappelJune 19, 2024

Mortgage Analysis | Before taking a mortgage loan make sure that your analyze your financial situation carefully. If your sole source of income is Soc. Sec...

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Extra Mortgage Payment

Bills.com TeamJune 19, 2024

It may not be wise to sacrifice your retirement investing at the expense of cutting your mortgage interest expense.

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Private Mortgage

Daniel CohenJune 19, 2024

Private Mortgage | If you are financing a mortgage, for a relative or for someone buying property from you, be sure to protect yourself and to understand the...

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Consolidate Student Loan With Mortgage

Mark CappelJune 19, 2024

Consolidate Student Loan & Mortgage | You may be able to pay off your student loan with a mortgage refinance, but not a construction loan. Start by checking...

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Qualify for Mortgage: The Basics

Betsalel CohenJune 19, 2024

Qualify for a Mortgage | You can get qualified for a mortgage and the best rates by preparing yourself. Make sure that your credit, income and downpayment are..

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Joint Tenancy

Mark CappelJune 19, 2024

Joint Tenants With Right of Survivorship | It means all persons listed on the have equal rights to use the property and inherit their share when an owner dies.

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Home Loans

Betsalel CohenJune 19, 2024

Home Loans | From amortization to regulation z, you can get lost in mortgage terms. Learn basic information to help you find the home loan best suited for...

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Shopping for a Rural Mortgage Loan

Betsalel CohenJune 19, 2024

If you are a rural mortgage shopper, then you don't have to be at a disadvantage. While many rural borrowers are dependent on local lenders, with today's...

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Mortgage Loans FAQ

Bills.com TeamJune 19, 2024

Understand the basic terms you need to know before signing a contract for a mortgage or auto loan.

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Resale Restriction Agreement

Mark CappelJune 19, 2024

Learn more about the type of resale restrictions that could apply if you purchased a home classified as below market rate. Learn more about mortgages at Bills.

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Characteristics of Subprime Mortgages

Mark CappelJune 19, 2024

Read more to learn what characteristics are common to subprime mortgages. Bills.com has the tips, resources and tools to help you save.

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Benefits of Mortgages

Mark CappelJune 19, 2024

Read more to learn about the benefits of a home mortgage. Bills.com has has informative articles about personal finance and most of all its FREE

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Early Termination of Lease

Mark CappelJune 19, 2024

While early termination of your lease could lower your credit score, it should not damage your credit rating to the same degree as a foreclosure on a home. Get

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Delinquent Mortgage in Probate

Mark CappelJune 19, 2024

Get help with a delinquent mortgage in probate. See what options are available to you at Bills.com. Find. Learn. Save.

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Consolidate All Debt

Mark CappelJune 19, 2024

Get more information on consolidating different debts such as vehicles and personal loans.

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5/1 ARM interest only mortgage

Mark CappelJune 19, 2024

Learn what a 5/1 ARM interest only mortgage is and how it works. Get the information you need at Bills.com.

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Bi-Monthly Mortgage

Mark CappelJune 19, 2024

If you are looking at paying your mortgage bi-monthly -- let Bills.com give you the advice on Bi-Monthly Mortgage payment to save.

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Pay Option Arm

Mark CappelJune 19, 2024

Let Bills.com help you find the best Option ARM for your Refinance needs so that you can get a low payment and save.

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Pick a Pay Mortgage Advice

Mark CappelJune 19, 2024

If you have a pick a pay mortgage and want to know if you are building equity, let Bills.com answer your questions so that you can SAVE!

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Best Mortgage Companies

Mark CappelJune 19, 2024

Let Bills.com help you find the best mortgage companies for YOU!

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Combining mortgages

Mark CappelJune 19, 2024

Learn about combining mortgages and if can do it if you have two homes.

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Debt to Income Ratio

Mark CappelJune 19, 2024

Debt to Income | Debt to Income Ratio and be the difference between getting a loan or getting declined. If you get your loan, a high DTI could guarantee high...

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What is DTI

Mark CappelJune 19, 2024

What is DTI? Find out what DTI (debt to income) is and what your DTI ratio determines when it comes to qualifying for a mortgage

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Tax Deductions and Mortgages

Betsalel CohenJune 17, 2024

Mortgage Tax Deduction | Romney introduced the idea of limiting mortgage interest tax deduction. Learn about the types of mortgage tax deductions you can...

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Gifting Money for Downpayment

Betsalel CohenJune 17, 2024

Gifting Money for Mortgage | It is possible to gift money without paying taxes. The receiver can use the gift funds toward a downpayment. Consult with a...

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Mortgage Disclosure | The CFPB Loan Estimate Form

Betsalel CohenJune 17, 2024

Mortgage Disclosure - Taking a Loan | The new proposed CFPB Loan Estimate Form aims to bring you clear information. After making an application compare...

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Annual Percentage Rate for Mortgage

Betsalel CohenJune 17, 2024

APR Mortgage | Using the Annual Percentage Rate for your mortgage can be helpful in comparing offers, but has many limitations. Be sure to include all fees...

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Understanding LTV & Your Mortgage

Betsalel CohenJune 17, 2024

LTV: Loan to Value | Mortgage lenders look at your loan balance and the value of your house to determine your LTV. Learn how to calculate LTV and the impact...

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Second Mortgage Lender | Shop Around

Betsalel CohenJune 17, 2024

Second Mortgage Lender | Shop for a second mortgage by comparing your current lender, big banks, credit unions, and online sites. Make sure that you know...

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Mortgage Basics | Downpayment, Equity and LTV

Betsalel CohenJune 17, 2024

Mortgage Basics - Down-payment, Equity, and LTV | Learn about mortgage terms relating to your property's value and how it affects your mortgage loan. It is...

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Mortgage Basics: Creditworthiness

Betsalel CohenJune 17, 2024

Mortgage Basics - Creditworthiness | Learn more about mortgage basics. Lenders evaluate both your willingness to pay an ability to pay. Learn more about..

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Understanding the Basic Terms of a Mortgage Loan

Betsalel CohenJune 17, 2024

Mortgage Basics - Understanding Mortgage Terms | The first in a series of 3 articles about mortgage basics explains key mortgage terms including payment...

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Freddie Mac Overview

Betsalel CohenJune 17, 2024

Freddie Mac | Freddie Mac helps to make money available in the mortgage market, which means lower interest rates for you. Learn about Freddie Mac programs....

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7-1-ARM |Saving with an Adustable Rate Mortgae

Betsalel CohenJune 17, 2024

7/1 ARM Loans | The 7/1 ARM has a low payment because it is for 30-years, but starts with a lower payment than a 30-year FRM. However, your interest rate...

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10-Year ARM (Adjustable Rate Mortgage)

Betsalel CohenJune 17, 2024

10-Year ARM | Most Adjustable Rate Mortgages have a shorter initial period. Before taking a 10-Year ARM make sure that you can afford the payments and save.....

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Mortgages

Richard BarringtonJune 17, 2024

Resources for mortgage loans. Find great home loan rates, get free mortgage quotes from lenders, and receive home buying advice - Bills.com.

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What You Need to Know Before Taking a Land Loan

Land loans are not like traditional mortgages or personal loans. Whether you qualify might depend on how you plan to use the land. Learn more here.

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Mortgage Complaints |Know Your Rights

Betsalel CohenJune 17, 2024

Mortgage Complaints | The CFPB published a report in July 2012, including data about mortgage complaints. Learn about the major complaints and ways to avoid...

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Cosigner Mortgage

Mark CappelJune 17, 2024

There is no requirement that I am aware of that requires a co-signatory on a mortgage be consanguineous.

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Selling Home

Mark CappelJune 17, 2024

My new spouse and I each own a house and would like to sell them and buy a different one. How do we negotiate the mortgages?

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Capital Gains and Income

Mark CappelJune 17, 2024

While capital gains is considered as income by the IRS, it does not qualify as income when applying for a mortgage.

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Subordination Fee

Mark CappelJune 17, 2024

It is very common for the borrower to pay subordination fees. The second mortgage belongs to the borrower and most likely it is the borrower requesting to keep

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Will Adding My Name To A Mortgage Help My Credit Score?

Mark CappelJune 17, 2024

Mortgage and Credit Score | Will adding my name to a mortgage help my credit score? Yes, but there are three reasons why you shouldn't.

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