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If you are currently shopping for a new mortgage you want to avoid overpaying lender fees for the new loan. Using the Good Faith Estimate can help you avoid overpaying lender fees and closing costs for your new mortgage. If you neglect to review the Good Faith Estimate from your lender you could be throwing [...]
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When you apply for a mortgage loan or refinance, the lender will consider a number of factors when evaluating your situation. One of the key factors is the loan to value ratio. Loan to value ratio is a ratio of the value of your property against the mortgage amount. To calculate this yourself divide the [...]
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As a homeowner you may be interested in lowering your monthly mortgage payment or cashing out equity in your home. If you currently have an adjustable interest rate mortgage and are worried about your monthly payments going up, now is the time to refinance to a fixed interest rate loan. Lower Your Monthly Mortgage Payments [...]
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If you are in the process of refinancing your mortgage or taking out a second mortgage you many be required to make payments to an escrow account. What the heck is escrow anyway? If you’ve made escrow payments before, you might think that escrow payments are a method for letting someone else take your money [...]
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In a victory for consumer advocates and the state, a federal appellate court ruled Friday that California’s limits on mortgage interest charges are not preempted by federal law. The ruling reverses a decision made more than two years ago by U.S. District Judge Garland E. Burrell Jr. in Sacramento. He found that California’s so-called “per [...]
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My name is Robert Regehr and I’m a personal finance blogger with a chip on my shoulder for banks and mortgage brokers that take advantage of my friends and neighbors.
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