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Personal Finance Articles

Gov't Requests Funds for Senior Home Equity Program

By Alan Zibel -- AP Real Estate Writer
WASHINGTON (AP) — Falling home prices have forced the government to ask Congress for a $798 million taxpayer subsidy to prop up a program that lets senior citizens tap the equity in their homes.


Fannie Mae Seeks $19B in U.S. Aid

By Alan Zibel -- AP Real Estate Writer
WASHINGTON (AP) — Fannie Mae issued a grave warning about its future, saying it needs $19 billion in additional government aid as job losses grow and risky loans made during the housing boom go bad at an unnerving pace.


Weekly Mortgage Outlook: May 11

By Brian O’Connell
It’s spring, a time when economic indicators take a back seat to the calendar, and a time when mortgage rates historically rise again.


What to Expect When Your ARM Resets

By manybanking.com Staff
You bought at the top of the market and used an adjustable rate mortgage (ARM) to finance your loan. You figured you would just refinance when the fixed rate period was over. But now that home prices have fallen so dramatically, it’s harder to refinance. So what do you do if your ARM is about to reset?


How the Fed is Helping Slash Mortgage Rates

By Brian O’Connell
The Federal Reserve may not have moved interest rates last week, but it has continued an oft-overlooked program that has kept downward pressure on mortgage rates. It’s all about buying mortgage-backed securities -- $1.25 trillion’s worth.


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Which is right for you?

Fixed or adjustable rate mortgage? Find out which is right for you. Note, with a fixed rate mortgage (FRM), monthly payments will be steady, while with an adjustable rate mortgage (ARM), payments will vary over time. Adjustable rate mortgages typically have an initial fixed rate lower than that of a comparable fixed rate mortgage. The initial fixed rate period is followed by adjustment intervals.



Buy or rent your next home?

For some people, buying their home makes the most sense, and for others, renting is best. To determine which is right for you, you first need to determine whether you can afford to buy. Then you need to consider other factors, including the time you'll stay in your new home, the home's prospects for appreciation and taxes. Just answer the following questions and we'll advise you on what seems best for you.



How much home can you afford?

Looking for more personalized rates? First compare rates in your area, then return to our mortgage payment and amortization calculator.



Does it make sense to refinance?

Are you looking to crunch some numbers and calculate your savings from refinancing? manybanking.com has assembled one of the most complete sets of financial calculators on the Web.



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