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The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs,...
The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition The bestselling one-stop guide to mortgages—updated for the post–housing crisis...
View ArticleI owe the IRS, can I still obtain a mortgage?
Q: My wife and I are applying for a mortgage. If I owe the IRS, can we still obtain a mortgage? A: Owing the IRS money does not exclude you from being eligible for all mortgages. You may still be able...
View ArticleCan you get an FHA mortgage if you are on an installment agreement with the IRS?
Q: Can you get an FHA mortgage if you are on an installment agreement with the IRS? Never been late on the payments, or delinquent in any way, doesn’t show up on credit reports. A: Yes you may. Since...
View ArticleHow Your Credit Score Will Impact Your Mortgage Loan Application
If you are applying for a mortgage loan, the lender has a number of criteria to help them decide if you are capable of repaying the loan. The criteria are: • Credit report • Credit score • Credit...
View ArticleWhen can I Cancel Private Mortgage Insurance From My Loan?
To cancel the monthly PMI that you pay for your mortgage loan, you should be consistent with your monthly payment. The federal law provides two means to cancel PMI from your loan, either removing PMI...
View ArticleMortgage Rates Beginning to Climb
Mortgage rates have been edging higher after hitting a 20-month low. Freddie Mac reported that the average rate of a 30-year fixed rate mortgage increased to 3.69% last week from 3.59% a week earlier....
View ArticleLenders Easing Qualifications for Mortgage Borrowers
A closely watched index that tracks mortgage credit availability — lender requirements on credit scores, down payments and other key loan terms — has some good news for potential homebuyers: Things are...
View ArticleHow to Qualify for a Mortgage If You Are Self Employed
Being your own boss can come with a host of perks such as setting your own dress code (read: pajamas), a flexible schedule and a cubicle-less existence. But one financial benefit — tax write-offs —...
View ArticleWhere Can I Find A List of FHA Approved Lenders?
If you need a mortgage, you may be considering an FHA loan, since these loans are known to be more lenient for borrowers who have smaller down payments or less-than-perfect credit scores. Before you...
View ArticleWhat is FHA Mortgage Insurance?
Q: What is FHA Mortgage Insurance? A: FHA mortgage insurance provides lenders with protection against losses as the result of homeowners defaulting on their mortgage loans. The lenders bear less risk...
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