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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.

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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.

Points equal up to 1% of your loan and are paid at the beginning of your loan. The more points paid, generally the lower the interest rate. Find out more about the mortgage that would be perfect for you and your home. Apply online to contact up to four lenders.

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.

 


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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 a great way to spend your hard earned money because the interest paid on the loan is tax deductable and you also build equity in your home that can make it easier for you to borrow more money later in the future at a low interest rate… First time buyers can take advantage of today’s low interest rates and benefit from the happiness and security of owning their own home. Special first time home buyer programs are offered at the state and local levels to help you minimize the size of your down payment… If you are thinking of getting a home mortgage now is a great time. We offer fixed rate mortgages, adjustable rate mortgages, fha loans, va loans, contentional loans and home construction loans to individuals with the full range of credit history from terrible to perfect…
Looking for an online mortgage lender? You have come to the right place. We can connect you with as many as four experienced mortgage brokers licensed in your state to fill your financing needs… Mortgage payment calculator outputs can help you estimate the cost of your monthly payments on a new home loan. If you decide to print an entire amortization table you can also factor in extra monthly payments and see how they save you in interest costs…

Mortgage refinances have been all the craze in the past few years as rates remain good. It’s free to find out if you can get your rate lowered. Expo Financial can give you up to four free mortgage refinance quotes with one short form…

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