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Category: Mortgage Minutes (26 posts)

Multi-Family Lending: What You Need To Know About Hard Money Loans


Multi-Family Lending: What You Need To Know About Hard Money Loans Multi-family real estate is one of the most popular investments for both newbie and seasoned investors. Buyers in the past used trad...


Why Borrowers May Choose a Private Mortgage


Why Borrowers May Choose a Private Mortgage When most people want to buy a home, they get a list of local banks and mortgage companies to start comparing the available financing options. However, the...


How to Handle a Mortgage After a Separation or Divorce


Mortgage Life After Separation and Divorce Separation and divorce present many challenges. It's a situation you likely never thought you'd never be in, but now there are personal and financial conseq...


Reverse Mortgages – Impact on Heirs


How do Reverse Mortgages Affect Canadian Heirs? For Canadian seniors, there is a great way to get the most out of the equity in their homes. Home prices tend to rise, and equity builds in the prope...


When Is Mortgage Refinancing a Bad Idea?


Property owners refinance their homes and commercial properties all the time. As your credit improves and you have built more equity into the property, it may make fiscal sense to refinance when inter...


5 Smart Ways to Use a Home Equity Line of Credit


For homeowners across the globe, home equity lines of credit (HELOCs) have become a handy way of tapping into the value of their homes. However, when borrowing money against your home, it is always a ...


What should you consider when refinancing your mortgage?


Mortgage rates are at a historic low. If you're thinking about refinancing your mortgage, you could possibly save significant amounts of money over the years. Especially in the first years of owning y...


Should You Pay Off Your Mortgage Early?


It's a dream to be able to pay off your mortgage early, but is there a downside?  While it sounds like a great idea, there are some factors to consider before doing so.  This article will ex...


How to Improve Your Chances of Being Approved for a Mortgage


For most first time home buyers, obtaining a mortgage is a crucial part of the purchasing process. However, being approved for a mortgage is often easier said than done. It can be disheartening to f...


The Pros And Cons Of Reverse Mortgages - A Quick Guide


No matter how carefully you plan, life can put a dent in your retirement funds. A life-altering accident or illness can turn your life upside down. Dipping into your retirement to meet uncovered expen...


Should You Get a Shorter-Term Mortgage, Make Extra Payments, or Something Else?


When getting a home mortgage, if you can afford higher payments, often the option of a 15-year loan instead of one of 30 years is an option. It can be an enticing idea to know that you'll be free of a...


Real Estate: How to Refinance a Mortgage with a Bad Credit Score


There are many excellent reasons a homeowner may look into refinancing their mortgage. To refinance means to replace your current mortgage with a new one, almost always with a lower interest rate. For...


Planning to Refinance Your Mortgage? Ask These 4 Questions First


Deciding to refinance is a crucial financial move that can help you make significant savings. When you plan properly, do your research, and take time to evaluate where you stand financially, you'll be...


Four Strategies That Can Help You Get Approved for a Mortgage


So, you've decided to take the big step and look into getting what will likely be the biggest loan of your entire life: a mortgage. Applying for a mortgage can be a bit of a nerve-wracking process, es...


Looking to Invest? Pay Down Your Mortgage Instead


With all the gloomy news about pension plans in the press you may be worrying whether you should actually be investing in a pension plan or not. A new wave of thinking suggests possibly not. There may...


Buying a Home, Step One: Mortgage Pre-Approval


Whether you're looking to buy your first home, or haven't purchased a home in the past several years, you may be surprised to discover that searching your local real estate listings is not the best pl...


Why Remortgage? 4 Excellent Reasons to Consider Refinancing Your Home


Your home is probably the most significant purchase you'll ever make, yet it's surprising how many people simply continue paying their mortgage every month without thinking too much about it. However,...


Is Having No Credit As Risky As Having Bad Credit?


Let's clear up one misconception, right off the bat: having no credit is not the same as having bad credit. 'No credit' simply means that your credit history - which tracks your loans and repayments o...


How to Manage Your Credit Card Debt: A 4-Step Strategy


Being in debt is undoubtedly stressful, more so when the interest rates keep pushing your overall debt to skyrocketing amounts. Many people fall into the temptations of unnecessary expenditures and en...


3 Ways to Change Your Financial Habits


Some financial habits are good, but others can hold you back and prevent you from saving. If you need to change your financial habits, it is important to take a step-by-step approach. This three-step ...


Strategies to Dig Yourself Out of the Debt Hole


Debt. It's something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can help...


Should You Spend the Full Mortgage Amount You're Approved For?


  Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for ...


Take Advantage of Low Interest Rates - Refinance Your Mortgage Today


Borrowers are loving the current record low interest rates, and homeowners stand to benefit even more.     If you bought your home more than a few years ago, you could probably benefit ...


Why You Need an Emergency Fund - And How to Get One


Building an emergency fund is something most people know they should do but few actually get around to doing. A recent study found that nearly two-thirds of Americans did not have an emergency fund, a...


Financing Your First Home


A lot of emotions are involved when preparing to apply for your first mortgage, including excitement, apprehension, joy, and dread. If you do the necessary preparation before diving into the home-buyi...


How to Maintain a Good Credit Rating Throughout the Year


If you want to make it easier to get an auto loan, mortgage, or new credit card account, you need to maintain a good credit score. It's easy to do so, particularly if you follow the tips presented her...

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