Home Mortgage Tips And Forum Advice

Welcome to the Home Mortgage Tips And Forum Advice.

I'm Kate Ford author and publisher of this website. I will be your guide. Let's get started.

Begin with savvy home mortgage tips contributed by readers of this website. Then continue onto the Mortgage Forum to share your own online mortgage advice.

NEW! The Newest Home Mortgage Tip

Compare Home Mortgage Interest Rates to Closing Costs - Is 4 percent with $2100 in closing better than 4.5 percent with $990 in closing costs? Seems to me that the second option of saving $1000 is better?

How To Refi Without The Glitch - After jumping through all the refinancing hoops we made it to closing. The next day, the financing company called telling me our debt-to-income ratio didn't qualify. What other recourses did I have?

Is HAMP A Negative Amortization Loan - I do qualify for HAMP which will ultimately reduce my current mortgage payment by half. Does this create negative amortization? Will I end up further in debt?

How To Figure Monthly House Payments To Pay Off Mortgage Early - Joyce asks how to calculate a 20 year mortgage payoff with adjusting interest rates and graduated payments!

Savvy Home Loan Tips And Advice In The Forum

Are 30 Year Fixed Mortgage Rates Negotiable - Will I benefit from refinancing if my mortgage rate increases? Can I negotiate down the quoted interest rate?

Buying A House Immediately After Bankruptcy And Short Sale - The fact that we are open to any interest rate, do we have a chance at getting a mortgage?

More Savvy Home Loan Tips And Advice In The Forum

Comparable Home Prices - Is this real? Can my bank deny my refinance because comparable homes haven't sold? What can I do about this?

Need Help Refinancing An Investment Property - Anna from Arizona needs help from mortgage originators or real estate investors. Comment here.

Is Peer Lending Still Alive - Kate, Peer lending originally helped those with poor credit AND the ability and willingness to re-pay the debt. What happened?

Foreclosure Questions - Hi Kate, Will the bank call in my loan? When I bought the house I was making $50,000. I got laid off and now work for $32,000.

Mortgage Down Payment - Hi Kate, If I refinance with another bank, do I have to pay another mortgage down payment?

Additional Savvy Home Loan Tips And Advice In The Forum

YSP Issue - My lender said the rate was high due to a small loan amount. Then I read the good faith estimate and saw the YSP baloney. I should gotten a much lower rate instead of him getting a kickback.

Yield Spread Premiums - To Kate and the Home Buyer asking about paying Yield Spread Premiums, we both agree $7,600.00 is too much!

Confusing Your House with an ATM Machine - I was a financial advisor for many years and I watched clients and potential clients use their house like ATM machines during the "good old days" a few years ago.

Best Mortgage Advice - Be Cautious - My mortgage advice is to do your own homework and remember, it is real money and not just figures on a sheet of paper.

Mortgage Advice Worth Every Penny - One Friday afternoon, I was preparing the closing papers for a young man who was tickled pink that he was about to purchase his first home.

More Savvy Home Mortgage Tips And Advice In The Forum

Best Mortgage Advice - Do Your Homework - The best mortgage advice is CHECK YOUR CREDIT REPORT FIRST!

Mortgage Advice - The Borrower Knows Best - I feel that the person in need of money is the best judge about his or her requirement.

Fannie Mae Freddie Mac Bailout - Fortunately, my home is paid off now.

Educate Yourself - Best Mortgage Advice - If you know the secrets of the trade, you are less likely to become a victim of unethical lending practices.

Best Mortgage Advice Concerning Foreclosure - It's very important to document any promises made and/or extensions placed.

Hope Is Best Mortgage Advice - But my dad didn't lose his hope.

Even More Savvy Home Mortgage Tips And Advice In The Forum

Mortgage Pre Approval Not Prequalification - Discuss your finances with a mortgage lender before you compete for your dream house!

Best Mortgage Advice Skating A Fine Line - While it may not always be the most tasteful thing to do, switching lenders...

Best Mortgage Advice Equity Loans - My best home mortgage tips to anyone who owns a home is don't ever, ever, ever, get an equity loan if you can help it.

Best Mortgage Advice Best Mortgage Rate - How can I be sure that I am getting the best mortgage rate from my lender?

Best Mortgage Advice On Buying Points - Are points just a gimmick for the bank to get more money out of your pocket?

Second Mortgage Interest Rates And Fees - Kate, why are there so many fees on a 2nd mortgage loan?

You Can OWN My Brain

Loan Modification Answers by Kate - Unique help for modifying your mortgage. Make sure you don't miss this.

Lock Answers by Kate - Learn the nitty gritty inside story of locking your mortgage rate. Rate Locks Part I

Ask Kate About Locking Mortgage Rates - The dilemma of locking mortgage rates continues with even more letters. Rate Locks Part II

Refinance Answers by Kate - Refinancing brings out opinions, for sure! Get the facts here. Refinancing Part I

Refinancing Stories From Homeowners - With reversed rolls, Kate asks and Homeowners offer refinance advice. Refinancing Part II

Home Buying Answers by Kate - Learn how to buy a house. Unusual facts to aid your home buying experience. Home Buying Part I

Stories From Home Buyers - Meet Kate's home buying visitors who tell their stories and give advice for buying a house. Home Buying Part II

Credit Answers by Kate - Improving credit could change your life. Find how to get more than temporary results.

FHA and VA Answers by Kate - Clear the fog. The low down on VA and FHA loan requirements.

PMI Answers by Kate - Private mortgage insurance, friend or foe? Do you know how to get rid of it?

ARM Answers by Kate - Do you have an adjustable rate home mortgage? You can ask Kate for help.

Answers by Kate For Seniors - Reverse Mortgage, the unique income answer for retirees.

How To Compare Mortgage Rates Online - You'll enjoy this collection of homeowner experiences while shopping for lenders.

Kate's Mortgage Advice Forum - Savvy home mortgage tips contributed by readers of this website.

Mortgage News Opinions - Bold opinions of Joe Public regarding mortgage and real estate news.

Website Answers by Kate - Yes... Readers even ask Kate how to build a website.

Ultimate Collection of Ask Kate Articles - Cruise My Site

Discuss Home Mortgage Tips at the Mortgage Forum

Kate's Guide To Getting Mortgage Advice

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