Mortgages Articles

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Fannie Mae ? Supporting Homeownership Through Mortgages
The federal national mortgage association, better known as Fannie Mae, is an integral part of the mortgage industry. Here?s an overview on Fannie Mae and what it does. Fannie Mae ? Providing A Little Help Throughout the history of the United States, federal and state governments have used financial programs to modify our behavior. While it sounds draconian, it is actually a fairly bland concept. To stop us from undertaking bad or unhealthy behavior, taxes are levied on things such as cigarettes to motivate us to stop smoking. On the positive side, similar financial incentives are create to...

An Introduction To Mortgages
If you?ve just started working and saving but you desire to have your own house and own car, you may not need to wait for a decade or so for your dreams to come true. But that?s only possible if your mortgage application gets approved.Mortgage has been viewed by many as a form of lifesaver especially today. It?s getting harder and harder to come up with payments for monthly bills so how else can ordinary consumers afford to have their dreams come true? With the help of mortgage companies, however, they may just have that dream house and car before the year?s end.What Do You Have To Know Ab...

Mortgages. The Return Of The Mega-Mortgage.
With the housing market is now showing marked signs of recovery, especially in the South and London, the number of homeowners mortgaging for more than £500,00 is increasing. (Also see Latest Market Facts at the end of this article.)Previously, prospective borrowers for these mega mortgages have experienced a mixed reception from the lenders ? sometimes the lenders would provide the facility but viewed them as higher risk. For that reason lenders typically charged a premium rate of interest. But no longer. The tide has turned.Mega mortgages have well and truly joined the mainstream an...

Adjustable Rate Mortgages ? Interest Rate Strategy
Over the last few years, many people squeezed into new homes using adjustable rate mortgages. With interest rates going up, you now need a new interest rate strategyAdjustable Rate Mortgages ? ARMsAdjustable rate mortgages carry a bit of a gamble for home owners. Essentially, you trade smaller interest rates and lower initial payments on the gamble rates will not increase over time. If rates stay low, you make out like a bandit. If rates increase, you need to consider your options to avoid getting stuck with a high interest rate loan and resulting cash flow problems from increased monthly ...

When It Comes To Comparing Cheap Mortgages Online Is The Easiest Way
The word mortgage brings confusion to many people and they tend to panic, but a mortgage is just the same as any secured loan you would consider. There are different types of mortgage available and if you want the best advice and cheap mortgages then looking online is the easiest way.The basics behind a mortgage are that you borrow a large sum of money to buy a property and the property is secured against the money borrowed. This means that should you default on the repayments then your home is at risk of being repossessed. The different types of mortgage include a fixed rate, a variable rat...

Buy To Let Mortgages. Boom Time Returns.
After last years crisis of confidence the buy-to-let market is again booming. Earlier worries that interest rates were on the up and property values would crash are firmly behind us. So, fuelled by rising rental yields confidence, landlords have been snapping up new properties and remortgaging for cheaper deals. In the final three months of last year, rental incomes increased by an average of 3.3%. At the same time the rental yield, income as a percentage of the property's value, edged up from 6.42% to 6.45%. The latest report from the Council of Mortgage Lenders (CML) also shows that the va...

Reverse Mortgages - Get The Money You Need - Part 2 Of 4
To recap part 1, Reverse Mortgages are loans that allow you to borrow back the equity in your home. If you are 62 years of age or older, they are a way to borrow against the equity in your home to provide you with tax-free income. Probably a good idea if you're a senior who needs cash for medical care, to maintain your standard of living, or for other reasons.So, what are some of the disadvantages of Reverse Mortgages?- They are even more complicated than conventional mortgages and the consequences of various options might not be always up front.- They may be relatively expensive compare...

What You Need To Know About Uk Mortgages
If you do not have much experience with mortgages, then it would benefit you to educate yourself before deciding whether or not to refinance a current mortgage or to buy a new home. Educating yourself on mortgages in the UK can benefit you when it comes to finding the right mortgage terms for your individual situation.Types of MortgagesEndowment Mortgage - This is an interest-only mortgage which involves repayment of capital using an endowment policy at the end of the mortgage's term. Interest-Only Mortgage - With an interest-only mortgage, the capital part of the loan is not repaid unti...

Reverse Mortgages and Government Benefits
Reverse mortgages are increasing in popularity as a way to turn home equity into a liquid asset. Before you jump on a reverse mortgage, you need to understand the impact it can have on government benefits.Reverse Mortgages and Government BenefitsThe beauty of home ownership is found in the value of time. The longer you own a home, the more valuable it becomes to you as an asset. On one hand, you are paying off the mortgage over time, which is increasing the equity you have in your property. On the other, real estate tends to appreciate over time. This double whammy is what makes home owner...

Educated Consumers Can Save Money on Mortgages
Not only is owning a home an integral part of the American dream, but our home is likely the biggest purchase we will ever make and the biggest asset - or liability - we will ever have. Until about a year ago, of course, no one would have imagined that a home could be a liability. That's when housing prices started to drop and relatively new homeowners realized that it was only a matter of time before their adjustable rate mortgages would skyrocket. Experts agree that house values haven't yet reached their nadir and that many homeowners are poised on the precipice. While some people might fi...

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