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The best way to find the right mortgage is to know yourself and know your credit. Getting a copy of your credit report is an excellent way to start. This way you can know if your credit has improved or if it has gained a few blemishes. Also, it will give you a chance to see if there are any mistakes on your report that could damage your chances of finding the right mortgage and allow you time to have these mistakes removed. Knowing your credit will help you to have realistic goals while shopping for your mortgage.

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Other basic but important terms to understand are:

  • Principal is the amount borrowed (on which interest acts) which is repaid monthly
  • Amortization is the process of repaying the amount borrowed through monthly payments of principal and interest.
  • Negative amortization is when the monthly payment is not high to adequately pay the loan off. In this case interest builds too quickly and the principal grows instead of decreasing. This can occur because of lender scams or because of monthly payment caps.
  • Equity is the value of your house left over after subtracting the total of your mortgage. If your house has a market value of $130,000 and a mortgage of $100,000, the equity is $30,000.
  • An index is used to determine the rate on an adjustable rate loan. For some loans this rate may be the Prime Rate or the average rate of a one year Government Treasury Security.

These days mortgages are as diverse as the people seeking them. There are loans for people with good credit or bad credit, and loans specifically geared for those trying to consolidate debt, for families wanting to build their new homes, for Veterans, even for explicitly for police officers and teachers. Finding the right mortgage has never been easier. Fill out our free short form to contact a mortgage expert.

The first terms you will come across in determining the conditions you want for your mortgage are fixed and adjustable.

  • Fixed rates are constant through out the repayment of your loan and give you the stability of knowing your monthly payment will be the same at the end of your loan as they were at the start.
  • Adjustable rates are less predictable because they adjust with current rate indexes and can rise or fall as your repayment period progresses. The lessened stability of this loan is balanced out by lenient qualifying, low introductory rates, and the knowledge that an adjustable rate loan has a cap, or ceiling to keep the rate from rising too high.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Mortgages are the largest monthly payments most all of us make throughout our lives. While it is a joy to go from renting to owning we still want to get the best rate possible and understanding all of our options before taking the plunge… Mortgage loans can be a complex process that a qualified mortgage broker can help to simplify for you. Not only do mortgage brokers handle paperwork but they also broker your interests to get you the best possible rate from the institution backing the loan… Get a construction loan quote with our free short application. A qualified mortgage broker in your area will contact you with the best possible interest rate for your new loan…
A mortgage can involve a lot of hoopla if you don’t have a basic understanding of the industry. To make an educated decision make sure your mortgage broker explains every detail of the difference in insurance costs between fixed and adjustable rate mortgages… Financial calculators come on our website in three varieties, mortgage payment ( with amortization table ), refinance calculator, and debt consolidation calculator. All three can be used in combination in many lending situations, for example when there is a combined refinance debt consolidation…

Mortgage calculations are an accepted part of shopping around for a mortgage. Especially when you are debating between radically different loans such as adjustable and fixed rate mortgages…

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