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Mortgages Articles

Trends in Mortgage Credit Scores

Betsalel CohenMarch 19, 2024

The Great Recession of 2008 virtually put an end to the subprime mortgage market. What are the credit score trends for mortgages? Are mortgages available for..

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Minimum Credit Score Mortgage

Betsalel CohenMarch 19, 2024

Mortgage programs have different minimum credit score requirements. However, lenders often have stricter rules. It is important to match your credit....

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Mortgage Tips - Getting an Affordable Mortgage

Betsalel CohenMarch 19, 2024

Get mortgage tips about finding an affordable mortgage. You need to go over your budget, make sure that you can afford the house and mortgage, and then show...

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Self-Employed and Getting a Mortgage

Betsalel CohenMarch 19, 2024

Self-employed borrowers have a harder time getting a mortgage. A self-employed mortgage applicant needs to show proof of their steady, recurring income and...

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HMDA Map & Your Next Mortgage

Mark CappelMarch 19, 2024

The CFPB's HMDA map can help you better understand the mortgage and refinance market and trends in your county. Learn what lenders seek in loan applications...

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Can I Afford This Mortgage?

Betsalel CohenMarch 19, 2024

Whether you are refinancing or buying a home you will ask yourself if you can afford the mortgage. Learn to prepare and evaluate if you can afford the...

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Appraisal

Mark CappelMarch 19, 2024

Much rides on an appraisal. A low appraisal can scuttle a deal, but there are steps you can take if the appraiser sets the value too low...

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Fannie Mae Mortgage Release

Mark CappelMarch 19, 2024

Fannie Mae's mortgage release program gives distressed homeowners the option to live in their homes for 3 months free, or lease the home. There is a catch...

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Mortgage Fraud | Homeowners and Homebuyers Beware

Betsalel CohenMarch 19, 2024

Mortgage Fraud | Both homeowners and homebuyers are targeted by mortgage fraud. Beware of upfront fees, undeclared money, false declarations. Learn how...

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Conforming Loan Limits

Betsalel CohenMarch 19, 2024

Conforming Loan Limits | Fannie Mae and Freddie Mac's basic conforming (and high area) loan limits remained the same for 2013. Learn about your options to...

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CFPB | New Rules for High Cost Mortgage Loans

Betsalel CohenMarch 19, 2024

CFPB and High Cost Mortgage Loans | The CFPB proposed a rule to include HOEPA protections and disclosure to purchase mortgage loans. By learning how to...

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Loans in a Hot Housing Market

Daniel CohenMarch 19, 2024

Getting a Mortgage in a Hot Housing Market | Be a well-prepared borrower, if you're looking to buy a home or refinance in a hot housing market. Be sure...

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Qualified Mortgage Rule and Ability to Pay Rule

Betsalel CohenMarch 19, 2024

Qualified Mortgage Rule | The QMR and the ability to pay rule are technical mortgage lending issues. However, many borrowers will be affected when...

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Paying Off Your Mortgage Faster

Daniel CohenMarch 19, 2024

Pay Off Your Mortgage Faster | Paying down your mortgage balance is an important step in reducing your overall debt. You can pay it off faster when...

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Conforming Loan

Bills.com TeamMarch 19, 2024

Conforming loan limit for a one-unit residence in 2012 is $417,000 for most of the US. You must know the limits in your area because...

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7 Year ARM Loan

Mark CappelMarch 19, 2024

Learn what a 7 Year ARM Loan is and how it compares to a 30 Year Fixed Loan. Get the information you need from Bills.com.

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Lease to Own.

Mark CappelMarch 19, 2024

Looking for help with a lease to own transaction? Let bills.com answer your lease to own questions.

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Biweekly Mortgage

Mark CappelMarch 19, 2024

Bi-weekly mortgage payment | Examine whether you can save money by making a bi-weekly mortgage payment.

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Mortgage Insurance Rates

Daniel CohenMarch 19, 2024

Learn what factors can affect your mortgage insurance rates and if you credit score comes into play.

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Bad Credit Mortgage Advice

Mark CappelMarch 19, 2024

How, with bad credit, do I work toward securing a mortgage?

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Secured loans on home

Bills.com TeamMarch 19, 2024

Learn about secured loans on homes and whether or not you can sell a home with a secured loan attached. Get the answer from the Bills.com Blog.

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Get a mortgage with bad credit

Bills.com TeamMarch 19, 2024

Learn hot to get a mortgage with bad credit and what you need to do. Information from the Bills.com blog.

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Consolidating Debt and Qualifying For A Mortgage

Mark CappelMarch 19, 2024

If I consolidate my debt with a loan will this hurt my ability to get a mortgage?

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Bi-Weekly and Bi-Monthly Mortgage Payment

Mark CappelMarch 19, 2024

How do I know if a lender will allow me to do a bi-monthly mortgage?

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Why is Wells Fargo Ordering an Appraisal on My Property?

Mark CappelMarch 19, 2024

Why is my bank ordering an appraisal on my property?

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Mortgage With Bad Credit

Mark CappelMarch 19, 2024

You may find a bank to issue an assumable mortgage, although this is unlikely. If the purchaser is your parent, and subsequently dies, the mortgage would be due

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Chase Bank Contact Information

Mark CappelMarch 19, 2024

I need to speak with someone regarding my Chase mortgage can you help me?

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House Value

Mark CappelMarch 19, 2024

House Value | A lender will use an appraisal report of an automated home valuation program. The tax assessment value is not reliable, so use a...

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Qualify Mortgage

Mark CappelMarch 19, 2024

Qualify Mortgage | To qualify for a mortgage, you need to meet a lender's basic requirement for credit score, debt-to-income ratio, loan-to-value and...

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House Divorce

Mark CappelMarch 19, 2024

This is one area in life where shopping is indeed the solution to your problem. Some lenders have higher closing costs on mortgage refinances than others.

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Mortgage Payment Coupon Book

Mark CappelMarch 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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 15, 2024

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

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Sell My House

Mark CappelMarch 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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 15, 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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