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Choosing a Loan

• Understanding Your Credit Score
  • Do lender inquiries hurt my score?
  • How bad is my credit really?
  • How do I improve my FICO score?
  • How do I interpret my credit report?
  • What is the best way to obtain your credit report?
  • Why do FICO scores matter so much?
• Refinancing
  • Does refinancing at a higher rate ever make sense?
  • How often can I refinance?
  • Refinance with current lender?
  • Should I consolidate, and how?
  • Should You Refinance Your Home to Pay Off Credit Card Debt?
  • Should you rescind your refinance?
  • Top 10 refinancing mistakes
  • When does refinancing really pay?
  • Why won't my refinance go through?
• Best Loan Type For You
  • Are Libor ARMs a good deal?
  • Consider an Energy Efficient Mortgage
  • How to choose among types of ARMs?
  • How to choose among types of FRMs?
  • How to choose between FRMs and ARMs?
  • What is an Overage?
  • When does it make sense to pay points?
  • When to choose interest only loans?
• Buying a House
  • How can I buy before I sell?
  • How much house can you afford?
  • How to Make Wise Remodeling Decisions in Today's Jittery Housing Market
  • How to Prepare Your Home for Sale
  • Is it Time to Buy Your Dream House?
  • Should I assume the seller's mortgage?
  • Should unmarried partners buy a house?
  • Top 10 Home Buying Mistakes
  • What is the difference between Qualifying and Approval?
• The Art of the Down Payment
  • Are "No Money Down" loans a good idea?
  • How large of a down payment should you make?
• Understanding Types of Loans
  • Are VA Loans a good deal?
  • How do ARMs work?
  • Is a Balloon Loan better than an ARM?
  • Is the Interest Only Mortgage Right for You
  • Reverse Mortgages, Are They Right For You?
  • What Is a Graduated Payment Mortgage?
  • What are jumbo loans?
  • What are reverse mortgages?
  • What is a Stated-Income Mortgage?
  • What is an Overage?
  • What is the difference between Biweekly and a Bimonthly?
  • Who should take an FHA?
• HELOCs, 2nd Mortgages, and Cash Outs
  • Should I consolidate debt?
  • Top 10 home equity loan mistakes
  • What is the difference between a HELOC and a Home Equity loan?
  • Which is best: HELOC, 2nd mortgage, or cash out refi?
• Understanding Commercial Loans
  • Banks & Private Loan Alternatives for Commercial Mortgage Loans: Part 1
  • Banks & Private Loan Alternatives for Commercial Mortgage Loans: Part 2
  • Banks & Private Loan Alternatives for Commercial Mortgage Loans: Part 3

Choosing a Lender

• Brokers vs. Lenders
  • Are brokers or lenders better?
  • What is a Sub-Prime lender?
• Choosing an Ethical Lender
  • Are lender payments to my broker ethical?
  • Can I trust rate quotes?
  • How do I find an ethical loan provider?
  • How to Avoid Mortgage Foreclosure Scams
  • How to Spot an Unethical Lender
  • Is my broker/lender ethical?
  • Spotting Predatory Lenders
  • Top 5 Home Loan Scams
  • What are Truth in Lending laws?
  • What lies might I hear?
• Getting The Best Deal
  • How do I compare loans?
  • How do I know if the fees are fair?
  • Increasing the Market Value of Your Home
  • Is rate or APR more important?
  • Should I accept a loan with a prepayment penalty?
  • The Difference between Pre-qualification and Pre-approval
  • What is a "Good Faith Estimate?"
  • What mistakes do shoppers make?
  • When does it make sense to pay points?
• Getting Closed on Time
  • How do I avoid getting taken at the closing?
  • How long should it take -- why so long?
  • Why do I need title insurance and what should it cost?

Managing Your Lender

• Locking Rates
  • How can I avoid lapsed prices?
  • What is a rate lock and what does it cover?
  • When to lock?
• Making Changes
  • Helping Your Lender to Help You (Avoid Foreclosure)
  • Helping Your Lender to Help You (Avoid Foreclosure) Part 2
  • How do I cancel PMI?
  • What happens when you skip a mortage payment?
  • When is early payoff a good investment?
• Dealing with Bad Service
  • Do I have any recourse when my "Good Faith Estimate" goes bad?
  • What to do about bad servicing?

Blemished or Bad Credit

• How Bad Is It?
  • How bad is my credit really?
  • How much will bad credit cost me?
  • Woes of the Renter in Today's Real Estate Market
• How Do I Improve It?
  • Are credit repair services worthwhile?
  • How do I choose an ethical credit repair service?
  • How do I improve my credit; how long does it take?
  • What gets included in debt-to-income ratios?
• Choosing an Ethical Subprime Lender
  • How do I choose an ethical subprime lender?
  • How do I not get taken because of bad credit?
• Choosing a Subprime Loan
  • How do I choose the best subprime loan?
  • Should I consolidate my debts?

General Mortgage Calculators

• How much will my mortgage payments be?
• How much will my adjustable rate payments be?
• Which is better: fixed or adjustable?
• Should I pay points to lower the rate?
• Which is better: 15- or 30- year loan term?
• Which lender has the better loan?
• Which loan is better?
• How advantageous are extra payments?

Home Refinance

• How much should I put down for a new home?
• What will my closing costs be?
• Am I better off refinancing?
• What will my refinancing costs be?

New Home Purchase

• How much can I borrow?
• How much can I save in taxes?
• Am I better off renting?
• How can I reduce mortgage insurance costs?
• What home can I afford?

• Loan.com
• Loan.com Borrower's Bill of Rights
• Loan Analyzer
• Mortgage Rates
• Mortgage Calculator
• Mortgage Loan
• Mortgage Refinancing
• Adjustable Rate Mortgage
• Home Equity Loan

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