Mortgages Archives

Now's the Time for that 15 Year Mortgage
By: Brian O'Connell
NEW YORK (sbup) — With interest rates at historic lows , this may be the best time ever to buy a 15-year fixed-rate mortgage. Homebuyers can get a 15 year fixed-rate mortgage at around 4% right now, and possibly save more than $100,000 on the total cost of the home loan, based on the current 30 year mortgage rate. Here’s why “going 15” is such a smart move, if you act now. Read more»
Why the 'QRM' Rule Could Hurt Homebuyers
By: Jeff Brown
NEW YORK (sbup) — Are you up to speed on QRMs? It’s an issue that could force you to shell out thousands more for your next home. Read more»
Calculate Your Mortgage Rate, Using Your Phone
By: Brian O'Connell
NEW YORK (MainStreet) — There’s a new iPhone app in town that not only gives you your credit score from all three major providers, but also enables you to calculate your mortgage rate, using your credit score as a barometer. And guess what? It’s free. Read more»
What Inflation Means for Mortgage Rates
By: Brian O'Connell
NEW YORK (sbup) — Inflation is rearing its ugly head again, with consumer prices up 2.1% in February. Inflation doesn’t just force consumers to dig deeper for more goods and services, it also pumps up mortgage rates. That has implications for new home shoppers. Read more»
When to Pay Off a Mortgage Early
By: Brian O'Connell
NEW YORK (sbup) — If you can afford to pay off your home mortgage early, good for you – it’s usually a great financial move. But not always. Read more»
NEW YORK (sbup) — Banks aren’t lining up to pat President Obama on the back over his mortgage reform plan, which seems surprising given that many economists say banks will get a bigger slice of the mortgage pie when all is said and done. But many banks—though not all—have a beef with the White House just the same. Read more»
NEW YORK (MainStreet) -- Some homebuyers may be too savvy for their own good when it comes to waiting for the real estate market to hit bottom. One economist has an interesting formula that shows how a buyer can lose a lot of money by not timing it right. Read more»
NEW YORK (sbup) — The Dodd-Frank financial reform bill was supposed to make the financial markets safer for businesses and consumers, but CoreLogic, the mortgage data firm, warns of an unintended consequence: Residents of some states could have a much harder time getting mortgages than residents of others. Read more»
Why We Shouldn't Fear Low Down Payments
By: Jeff Brown
NEW YORK (sbup) — Mortgages with low down payments were widely seen as contributing to the financial crisis still reverberating in today’s weak housing market, and the solution is obvious: require bigger down payments. Read more»
Rising Demand Points to Housing Shortage
By: Brian O'Connell
NEW YORK (sbup) — Three years of potential production down the drain: That’s what the National Association of Home Builders announced when it released its conclusions that more than two million new homes weren’t built because of the Great Recession. Read more»
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