Crusading Financial Mortgage Planners

A how to overcome credit scammers. Stop realtors and loan officers from fraudulent tactics

What Is A FICO Score?

FICO scores start at 350 and go up to 850 the higher your score the better the loan. Better in this case means a lower interest rate. By working on your credit you can save yourself thousands of dollars.

Types of Mortgage Lenders – What Are Your Options

When entering the mortgage marketplace, you should know that you have several lending alternatives. Here you will find descriptions of three common ones.

Zero Down Home Loans – Pros and Cons of No Down Payment Mortgages

There are several pros and cons to consider before closing on a no down payment home loan. Here are a few to think about.

Home Loans are Driving People to Debt Insanity

There was a time when people didn't get home loans. If you wanted to buy a piece of land you could call your own then you saved your money until you could afford it.

What is a Privately Held Mortgage or Trust Deed

Anybody who owns a house or a commercial property is familiar with mortgages. Nearly all real estate transactions are handled with financing. Rarely are real estate purchases paid for entirely up front. Generally the purchaser makes a down payment to a financial institution and the institution finances the balance with the property owner. This common way of managing real estate investment is certainly the most popular and familiar method. However there are alternative ways of receiving the financing you need to buy a property.

Getting A Home Equity Loan - For People With Poor Credit

Here is some information on getting a home equity loan with poor credit.

Cash Out Mortgage Refinance - I Need The Money But I've Got Bad Credit Ratings!

Sometimes liquidating your home equity can be found useful when it is needed for consolidating debt, home improvement or for other expenses. When you contact a bank or financial institution you find that the rates you are quoted are very high due to your bad credit score. Cash out refinance doesn't have to be expensive.

Is Refinancing A Mortgage Really Worth The Hassle?

There are a few reasons for one considering refinancing a mortgage. Some people think that it is the best way to consolidate debt and some find mortgage refinance as a way to liquidate equity by applying for Cash-Out-Refinance.

Jumbo Mortgage Loans - Things To Watch Out For

A Jumbo Mortgage Loan is one with an initial total loan amount over $417,000. Here is a discussion of what a Jumbo Mortgage loan is and things to watch out for when applying for one of these loans.

What Are Reasonable Things To Pay For Using Your Home's Equity?

Taking advantage of the increased value of a property is one of the many benefits of home ownership. However, home equity money should be used strategically. Here are some reasonable things to pay for using your home's equity.

5 Refinancing Mistakes to Avoid

Here is a discussion of 5 refinancing mistakes that you should avoid.

The Biggest Mortgage Refinancing Mistake You Need to Avoid

There’s a lot of bad advice on the Internet about mortgage refinancing. The majority of what you read is sales motivated and results in overpaying for your new mortgage. There is however, one little known mistake that can result in overpaying thousands of dollars every year you keep the loan. Here are several tips to help you avoid paying too much when refinancing your mortgage.

Mortgage Refinancing - How to Avoid Payment Shock

The best advice for homeowners refinancing their mortgages online is to read before you click. Payment shock comes in many forms and can lead to a mortgage payment you simply cannot afford. Here are several tips to help keep you out of financial hot water when mortgage refinancing.

Mortgage Broker Refinancing - How to Avoid Overpaying

Mortgage brokers can be an excellent resource for refinancing. Brokers have extensive contacts in mortgage industry and access to loan offers you might not find on your own. The problem with using a mortgage broker is that this person makes a living on commission; the mortgage that gives them the largest commission might not be the right loan for you. Here are several tips to help you refinance with a mortgage broker without overpaying for your new mortgage loan.