Truth About Loans : Lending Research Library

• 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?

• 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?

• 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

The Art of the Down Payment

Understanding Types of Loans

HELOCs, 2nd Mortgages, and Cash Outs

Understanding Commercial Loans

• Are brokers or lenders better?
• What is a Sub-Prime 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?

• 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 can I avoid lapsed prices?
• What is a rate lock and what does it cover?
• When to lock?

• 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?

• Do I have any recourse when my "Good Faith Estimate" goes bad?
• What to do about bad servicing?

• How bad is my credit really?
• How much will bad credit cost me?
• Woes of the Renter in Today's Real Estate Market

• 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?

• How do I choose an ethical subprime lender?
• How do I not get taken because of bad credit?

Choosing a Subprime Loan