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IC's Articles in Mortgage

  • The History of the FHA Loan
    The FHA loan dates back quite a relatively long time, despite their growing popularity today. In fact, this type of loan dates back to about 1934 when the National Housing act of 1934 established the Federal Housing Administration, now known more commonly as the FHA.
  • Zero Down Home Loans
    Even in a buyers market the prices of homes are higher than ever before. Because of this, many people cannot afford the down payment that is required of them by most convention home loans.
  • Your Credit and Home Loans
    When you express interest in buying a home one of the first things that you will be asked, whether by a realtor, a home owner, or a mortgage broker or lender is about your credit.
  • Applying for Home Loans Online
    If you would like to buy your own home but you have a very busy life and you just can't seem to find the time to apply for the loans and get your information out there you don't have to take a day off of work to get it done and you don't have to ignore other responsibilities, either.
  • Single Parent Home Loans
    When you start looking into the different home loans that are out there you may be wondering if there is a specific one for people like you, who are single parents. The answer is yes and no.
  • Interest Only Home Loans
    While watching television lately or even listening to the radio or spending time online you may have heard of a type of loan that you had never heard about before: the interest only home loan.
  • Why Do I Need Mortgage Insurance?
    When you start looking into home loans you may find that a lot of lenders will require that you pay for mortgage insurance or mortgage insurance has to be a part of the deal.
  • Understanding Hybrid Home Loans
    If you are in the market for a new home and you are shopping around for home loans to help you finance the purchase you may come across some things that you have heard of and some things that you have not.
  • Forty Year Home Loans
    In the past when you wanted to buy a home and you were looking at home loans you would generally find that you had three basic options and those were the 10 year, 15 year, and 30 year loan terms.
  • Home Loans and Home Owners Insurance
    Have you decided that the time has come to stop renting and actually put down some roots by buying a home? If so, this is an exciting time and you may be really anxious to get into your new house and make it your home.
  • How to Afford Home Loans
    Have you been watching people around you buy homes and wondering how they afford it? It can be overwhelming to buy your first home because you may look at the home and fall in love with it, and then when you look at the price tag you may wonder how you could ever afford it.
  • Co-Signing Home Loans
    Would you like to buy a home? Can you afford a loan payment on your own or will you need to look at co-signing home loans to make it work?
  • Budgeting for Your Home Loan
    How do you budget for home loans? A lot of this work will be done for you by the lender because they will do something called an income to debt ratio.
  • Are Home Loans Safe Right Now?
    You may be asking the same question that a lot of people who are asking right now and that is: Are home loans safe right now?
  • How to Save Home Loans from Foreclosure
    Home loans are tricky because even if you have all of the information that you need to go about buying a home in the most responsible way things have a way of changing.
  • Which Home Loans Lender is the Best?
    When you are in the market for home loans you will find that there are a lot of different lenders to choose from us. Before most of us have this experience we naively assume that everyone who owns a home goes to the same place to get the funding that they need.
  • How to Find Home Loans
    If you have never owned a home before but you are interested in buying you may be wondering how you actually obtain home loans.
  • Home Loans: How Long Do I Have to Pay Them Back?
    When you want to buy a home you have to start looking into home loans as this is the only way that most people can afford to buy a home.
  • Information You Need when Applying for Home Loans
    Many of us do not know how much information actually goes into applying for home loans until we are actually doing it. Many of the frustrations that a lot of people encounter have to do with the fact that a lender or a mortgage broker calls them every day and asks for more information.
  • Comparison Shopping for Home Loans
    Many people assume that all home loans are created equal and they simply go with the first loan that they are approved for.
  • How to Apply for Home Loans
    Have you been looking around at homes in your area and finally decided that now is the time to buy? Or, have you been thinking that you may want to buy a home and would like to see if you can qualify for a loan before you start shopping?
  • What to Expect when Shopping for Home Loans
    When you start shopping around for home loans you may be overwhelmed by all that you need to learn and all of the terms that are thrown your way.
  • Navigating the Confusing World of Home Loans
    When you want to buy a home you will generally need to look into home loans to see what your financing options are.
  • Benefits of a Fixed Rate Loan
    Fixed rate home loans are a great option for a large number of people who are looking to buy a home. This type of loan is one that has the same interest rate, and therefore the same monthly payment for duration of the loan.
  • The Benefits of an Adjustable Rate Home Loans
    Adjustable rate home loans are often given a bad name because a lot of people have ended up in trouble with them.
  • Buying a Home with an FHA Home Loan
    When many people think of an FHA home loan they assume that these are loans that are for people who can't afford a nice home, but that isn't true.
  • Who is the FHA Home Loan For?
    This is a question that many people ask and the difficult part is the answer. The fact is, there is not one "type" of person that the FHA home loan is for.
  • Why the FHA Home Loan is So Popular
    Recently the FHA home loan has become very popular again, though it hadn't been as popular in recent years as it once was.
  • An FHA Home Loan without a Down Payment
    Most of the time when you apply for an FHA home loan you will be looking at a three to give percent down payment, which is generally much better than you would get if you went with a conventional home loan.
  • Understanding Home Loans: Your Interest Rate
    When you start shopping around for home loans you will notice that they vary slightly in several different areas but where they may vary quite a bit and what you will want to pay attention to is the interest rate of the loan.
  • Home Loans: Getting Your First One
    Home loans can be a scary thing for first time buyers to consider but they don't have to be.
  • Home Loans with Bad Credit
    Home loans are something that many people do not understand and they assume that just because they have bad credit they will never be able to own a home.
  • Home Loans after Foreclosure
    Many people are told that bad credit decisions will only stick with you for seven years. Think back to seven years ago, it feels like a lifetime ago, doesn’t it?
  • Home Loans after Bankruptcy
    Home loans and bankruptcy are two terms that generally don’t fit well together. There is a lot of misinformation out there about bankruptcy and the ability to finance a home after you have been through this process so many people assume that once they have been through this process that they will never experience home ownership.
  • Home Loans without Big Down Payments
    One of the things that hold many people back from home ownership is the fact that it costs a lot of money just to get into a home.


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