Articles in Home | Finance | Mortgage

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  • Sheffield - The Greenest City in Europe  By : Sean Revell-27115
    Sheffield has been historically known as an industrial city. Because of this people assume that when you go up there the cities landscape would be surrounded by smog! These same people will be surprised
  • 8 Reasons peoples sell their house and move  By : Properties Direct ltd-27115
    It has been said that people on average move every five to seven years but on the other hand you find people who stay in the same house all their life. These people tend to find it hard to understand why
  • Reverse mortgage: make your house pay your bills  By : Ranci Endo
    Reverse mortgage is the answer to financial problems faced by senior citizens. One can use reverse mortgage loans to pay the bills when social security and pension cannot. It is available in many countries including UK and USA and is becoming increasingly popular worldwide.
  • Mortgage advisers making situation worse  By : Jennifer Quirk
    With the credit crunch being the most talked about financial news in the past few months, it is hardly a comfort to hear that those who are paid to supply us with advice are not doing their job properly.
  • Mortgage Market  By : Christian Ward
    If you have been reading the articles about jumbo or proprietary reverse mortgages available, you may be wondering what is going on. A jumbo or proprietary reverse mortgage is any program that is not the FHA, government insured Home Equity Conversion Mortgage (HECM or "Hek-um") or the Federal National Mortgage Association HomeKeeper Program.
  • Sub Prime Mortgages  By : Christian Ward
    What do you do with a massive package of adverse credit mortgages that no one wants to buy? This is the dilemma facing many financial institutions in the current economic climate. Several years ago it was easy to approve thousands of mortgages then bundle them together and sell them to a financial institution such as a pension fund which has billions of investors' funds to spend.
  • Buying A Property Abroad  By : Christian Ward
    So for those planning an overseas purchase and wanting to ensure they don't get burned, here are some top tips to ensure that your buying experience is as hassle-free as possible:
  • Nationwide And Woolwich Pile On The Pain For Borrowers  By : Christian Ward
    Borrowers have been dealt another blow as mortgage giants Nationwide and Woolwich raise rates and the cost of two-year fixed rate mortgages hits a ten-year high.
  • Use A Loan Calculator To Get A Great Deal On Your Mortgage  By : Christian Ward
    When it comes to getting a loan for your mortgage and using a mortgage calculator, it is important to know the differences between a home equity loan and a home loan. Firstly, a home loan is basically your first loan when purchasing a home.
  • Mortgages Are Out As Now Is The Time To Rent  By : Christian Ward
    Newspapers are full of stories about how hard it is to get a reasonably priced mortgage. Rates are going up by the day. Nationwide recently followed the general trend by putting up its fixed rates by another 0.3% to 6.45%.
  • Elgin, Texas  By : Dane Smith-14388
    Austin is surrounded by a number of smaller cities. The article looks at Elgin Texas a small town to the East of Austin.
  • Subprime Mortgage Lending - Regulators Tighten Rules  By : Jane A. Smith
    The most recent regulatory report on subprime lending is the Statement on Subprime Mortgage Lending (June 2007). This 31-page document was released by the Federal Reserve and other federal financial regulatory agencies in response to the current out-of-control subprime lending market. It describes in detail the requirements made of subprime lenders for the financial protection of both the borrower and the lender.
  • Subprime Mortgage Lending - 2007 Statement on Subprime Mortgage Lending  By : Jane A. Smith
    In June 2007, the United States Treasury Department, along with other federal financial regulatory agencies, issued the Statement on Subprime Mortgage Lending. This document incorporates the Statement on Working with Borrowers published by the agencies two months previously, and is intended to supplement the recent Interagency Guidance on Nontraditional Mortgage Products. The agencies specifically targeted lenders who use adjustable rate mortgages (ARMs), addressing the necessity for appropria
  • Subprime Mortgage Lending - A Brief History  By : Jane A. Smith
    Subprime lending is not really a new phenomenon. The types of non-traditional loans that many subprime borrowers are taking out today have grown from something we used to call a “bridge loan.” These were typically very short-term loans with high interest rates that were intended to assist a person to buy a new home while the old home was still on the market. As soon as the old residence was sold, the owner would repay the bridge loan. Some of these non-traditional loans included a “balloon pay
  • Subprime Mortgage Lending - Expanded Guidance  By : Jane A. Smith
    In June 2007 the federal financial regulatory agencies together issued a Statement on Subprime Mortgage Lending. This statement contained references to an earlier document issued by the Comptroller Office's for Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision. The latter document, the 2001 Expanded Guidance for Subprime Lending, is recommended unequivocally by the agencies as the defining document to
  • Beginners Guide to the Credit Crunch - Small Bite Afore Credit Crunch  By : David Rowtree-11606
    Some resources for understanding the credit crunch
  • Eliminate your mortgage arrears at ease!  By : Kirthy S
    For those borrowers that are already in arrear, your mortgage lender should suggest a repayment plan to pay off the arrears alongside usual repayments. Seek some tips on alleviating your mortgage arrears.
  • Subprime Mortgage Lending - 2007 Statement  By : Jane A. Smith
    The United States Treasury Department, along with several other federal financial regulatory agencies, released a Statement on Subprime Mortgage Lending in June 2007. This sizeable document (it is 31 pages long) is aimed at people involved in borrowing and lending for mortgages at subprime rates. Of particular concern to the authors are adjustable rate mortgages (ARMs). The Statement provides guidelines that will ensure more appropriate practices regarding ARMs.
  • Mortgages: Understanding The Confusion  By : Christian Ward
    Mortgages have never been easy to work out for the average homebuyer. With so many different types of mortgage available and at so many different rates and periods, it's often been difficult to decide which mortgage is best.
  • How Bad Will Things Get In The Housing Market?  By : Christian Ward
    Just how bad will things get in the housing market? Look at the state of Britain’s tenth largest mortgage lender Bradford & Bingley and it is clear the answer is “very bad indeed.”
  • Credit Crunch Creates A New Stay At Home Generation  By : Christian Ward
    You will most likely be aware of the problems in the mortgage market as of late. With the credit crunch making it harder for everybody to manage anyway, those trying to get onto the property ladder have to get at the back of a very long queue to start climbing.
  • Programmed Underwriting Of Canada Mortgage  By :
    The mortgage lender studies the home loan application before the approval. This process is termed underwriting and the person who carries out the process is the underwriter. An underwriter takes longer time to complete the process. To avoid this time consumption, man introduced the programmed underwriting process.
  • More bad news for Mortgage hunters  By : Jennifer Quirk
    With the mortgage and general housing market is not a fun place to be around at the moment, and unfortunately, it doesn’t seem to be getting any friendlier.
  • Mortgage Rates in Canada  By :
    Apart from all these various types of mortgages and their rates, one more type of mortgage is available in Canada it's the money saver mortgage, which also offers lowest mortgage rates. Money saver mortgage is a 5-year plan with variable interest rates based on the principal amount.
  • What to do on a day out in Crewe  By : Sean Revell-27115
    The town of Crewe is based in the county of Cheshire, England. With a population close to 70,000 the place is renowned for its association with railways as it was once home to a key rail network. The Rolls
  • Mortgage Timebomb In Retirement  By : Christian Ward
    Are UK homeowners heading towards a £207 billion mortgage debt time-bomb in retirement?
  • Mortgage Repayments And Lowering Them  By : Christian Ward
    A standard variable rate mortgage (which is SVR for short) is the standard borrowing rate offered by loan companies. It has a tendency to mimic the Bank of England Base Rate, moving higher and lower a long with it. Loan providers will most often charge 1% or 2% beyond the Base Rate as their SVR. This suggests that should the Base rate goes higher, so also will your mortgage rates, hence the term 'variable' due to the fact that your instalments can vary.
  • Mortgage Crunch And Surviving It  By : Christian Ward
    Those hunting out a mortgage have seen a sudden change over the past six months from a land of plenty to a time of drought.
  • Home Mortgage Refinancing - Why Should I Refinance?  By : Alan Lim
    Here are a few informational hints that may help you determine if home mortgage refinancing is the route for you to follow. A discussion of why and when refinancing is helpful follows.
  • Home Mortgage Loan - Tips for Reviewing Loans  By : Alan Lim
    Once your have begun the process of obtaining a home mortgage loan, here are some essential things to watch or watch out for in reviewing loan proposals and documents.

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