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<title>Ben Afzal - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Ben_Afzal</link>
<pubDate>Wed, 15 Feb 2012 00:46:19 -0600</pubDate>
<image><title>Ben Afzal - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Ben_Afzal</link>
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<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[The author is President of Archer Pacific, a mortgage company. The firm works with home buyers and real estate investors.

The firm's website has all the free mortgage calculators, tips, articles, and rates you need to get your next mortgage.]]></description>
<lastBuildDate>Fri, 20 Oct 2006 14:38:14 -0500</lastBuildDate>
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<item>
<title>How Much Leverage Can I Get Through A Mortgage?</title>
<link>http://EzineArticles.com/333489</link>
<guid>http://EzineArticles.com/333489</guid>
<pubDate>Fri, 20 Oct 2006 14:38:14 -0500</pubDate>
<description><![CDATA[Leverage is one of the most critical tools in mortgages.

Here is how it can work for you.
]]></description>
</item>
<item>
<title>How Can I Use An Interest Only Mortgage Calculator?</title>
<link>http://EzineArticles.com/333474</link>
<guid>http://EzineArticles.com/333474</guid>
<pubDate>Fri, 20 Oct 2006 08:56:08 -0500</pubDate>
<description><![CDATA[Interest only mortgages are quite popular. Here is how to figure out what your payment will be with one of these loans.
]]></description>
</item>
<item>
<title>How Many Mortgage Late Payments Can I Have?</title>
<link>http://EzineArticles.com/333470</link>
<guid>http://EzineArticles.com/333470</guid>
<pubDate>Fri, 20 Oct 2006 08:55:06 -0500</pubDate>
<description><![CDATA[Paying your mortgage late can have a major impact on your ability to refinance.

 

Here is some help to figure out what you can do if you have late mortgage payments.
]]></description>
</item>
<item>
<title>Apartment Mortgages</title>
<link>http://EzineArticles.com/333488</link>
<guid>http://EzineArticles.com/333488</guid>
<pubDate>Fri, 20 Oct 2006 08:40:17 -0500</pubDate>
<description><![CDATA[There are many mortgage options for real estate investors who own apartment buildings.
 
Here are some useful tips about apartment mortgages.
]]></description>
</item>
<item>
<title>Mortgages &amp; Home Ownership Costs</title>
<link>http://EzineArticles.com/333485</link>
<guid>http://EzineArticles.com/333485</guid>
<pubDate>Fri, 20 Oct 2006 08:39:15 -0500</pubDate>
<description><![CDATA[When you purchase a property you will have to pay more than just your mortgage.

 

Here is what you can expect.
]]></description>
</item>
<item>
<title>How Does A Neg Am Calculator Work?</title>
<link>http://EzineArticles.com/333486</link>
<guid>http://EzineArticles.com/333486</guid>
<pubDate>Fri, 20 Oct 2006 08:38:16 -0500</pubDate>
<description><![CDATA[A "Neg Am" loan is a loan that has negative amortization.

These types of loans are also known as minimum payment option loans or cash flow ARMs.

Here is how to figure out your monthly payment easily.
]]></description>
</item>
<item>
<title>How Much House Should I Buy?</title>
<link>http://EzineArticles.com/333490</link>
<guid>http://EzineArticles.com/333490</guid>
<pubDate>Fri, 20 Oct 2006 08:35:18 -0500</pubDate>
<description><![CDATA[Buying a house is a big decision.

Here is how to know how much house you can afford.
]]></description>
</item>
<item>
<title>What Kind Of A Mortgage Do I Need For Short-Term Investments?</title>
<link>http://EzineArticles.com/333482</link>
<guid>http://EzineArticles.com/333482</guid>
<pubDate>Fri, 20 Oct 2006 08:34:13 -0500</pubDate>
<description><![CDATA[There are many mortgages that can help you if you are a short term borrower.
]]></description>
</item>
<item>
<title>Is A No Closing Cost Refinance Smart For Me?</title>
<link>http://EzineArticles.com/333475</link>
<guid>http://EzineArticles.com/333475</guid>
<pubDate>Fri, 20 Oct 2006 08:33:09 -0500</pubDate>
<description><![CDATA[Many mortgage lenders offer "no closing costs" when you do a mortgage.

Here is how to know what is right for you.
]]></description>
</item>
<item>
<title>Bad Credit Refinance: What Are My Options?</title>
<link>http://EzineArticles.com/333471</link>
<guid>http://EzineArticles.com/333471</guid>
<pubDate>Fri, 20 Oct 2006 08:29:07 -0500</pubDate>
<description><![CDATA[Having bad credit should not hold you back from getting a refinance. 

 

Here are some tips to help you.
]]></description>
</item>
<item>
<title>How Does A Bad Credit Debt Consolidation Work?</title>
<link>http://EzineArticles.com/333469</link>
<guid>http://EzineArticles.com/333469</guid>
<pubDate>Fri, 20 Oct 2006 08:23:06 -0500</pubDate>
<description><![CDATA[You can use the equity in your property to pay off debts.

 

Here are you options to lower your monthly payments.
]]></description>
</item>
<item>
<title>What Kind Of A Fixed Rate Mortgage Is Right For Me?</title>
<link>http://EzineArticles.com/333477</link>
<guid>http://EzineArticles.com/333477</guid>
<pubDate>Fri, 20 Oct 2006 08:15:11 -0500</pubDate>
<description><![CDATA[There are many fixed rate mortgages available for you. Here is some help in deciding which one is right for you.
]]></description>
</item>
<item>
<title>Mortgages With 90 Days Of No Payments</title>
<link>http://EzineArticles.com/333491</link>
<guid>http://EzineArticles.com/333491</guid>
<pubDate>Fri, 20 Oct 2006 08:13:19 -0500</pubDate>
<description><![CDATA[Newer mortgage options allow you to many new options.

A newer loan now offers the option to make no payments for the first 90 days.
]]></description>
</item>
<item>
<title>What Are The Financial Advantages Of A Mortgage?</title>
<link>http://EzineArticles.com/333484</link>
<guid>http://EzineArticles.com/333484</guid>
<pubDate>Fri, 20 Oct 2006 08:10:15 -0500</pubDate>
<description><![CDATA[A mortgage can offer you several different financial advantages.
 
Here is a brief summary of these.
]]></description>
</item>
<item>
<title>How Low Can My Cash Flow ARM Payment Go?</title>
<link>http://EzineArticles.com/333487</link>
<guid>http://EzineArticles.com/333487</guid>
<pubDate>Fri, 20 Oct 2006 08:09:17 -0500</pubDate>
<description><![CDATA[Cash flow ARMs are mortgages that allow a borrower to have a very low mortgage rate.
 
Here is how to figure out how lots your monthly payment can go.
]]></description>
</item>
<item>
<title>Hard Money Loan Examples</title>
<link>http://EzineArticles.com/332316</link>
<guid>http://EzineArticles.com/332316</guid>
<pubDate>Wed, 18 Oct 2006 21:42:05 -0500</pubDate>
<description><![CDATA[Summary

 

Hard money loans are usually for borrowers who have difficult loan scenarios.
]]></description>
</item>
<item>
<title>How Can I Avoid Paying Off Old Debts During My Refinance?</title>
<link>http://EzineArticles.com/332315</link>
<guid>http://EzineArticles.com/332315</guid>
<pubDate>Wed, 18 Oct 2006 21:24:05 -0500</pubDate>
<description><![CDATA[Summary

 

When you refinance you often have to pay off old debts that are listed on your credit report.
]]></description>
</item>
<item>
<title>40 Year Mortgages - How Do They Work?</title>
<link>http://EzineArticles.com/332237</link>
<guid>http://EzineArticles.com/332237</guid>
<pubDate>Wed, 18 Oct 2006 20:59:17 -0500</pubDate>
<description><![CDATA[Summary

Forty year mortgages are a newer mortgage loan that many lenders are starting to offer.

Here is what they are, and how you may be able to use one.
]]></description>
</item>
<item>
<title>Can A Flat Fee Mortgage Work For Me?</title>
<link>http://EzineArticles.com/332240</link>
<guid>http://EzineArticles.com/332240</guid>
<pubDate>Wed, 18 Oct 2006 20:58:19 -0500</pubDate>
<description><![CDATA[Summary

Many lenders offer a "flat fee" mortgage option.

Here is how to see if this makes financial sense for you.
]]></description>
</item>
<item>
<title>What Are Notary Fees In A Mortgage?</title>
<link>http://EzineArticles.com/332243</link>
<guid>http://EzineArticles.com/332243</guid>
<pubDate>Wed, 18 Oct 2006 20:45:20 -0500</pubDate>
<description><![CDATA[Summary

Notary fees are usually a part of the mortgage lending process.

Here is what it is and how to make sure you are getting your money's worth.
]]></description>
</item>
<item>
<title>What Are First And Second Mortgages?</title>
<link>http://EzineArticles.com/332241</link>
<guid>http://EzineArticles.com/332241</guid>
<pubDate>Wed, 18 Oct 2006 20:18:20 -0500</pubDate>
<description><![CDATA[Summary

Often times when you look for a purchase loan or refinance you will be offered a first mortgage and a second mortgage.

Here is what these terms mean, and how it affects your money.
]]></description>
</item>
<item>
<title>What Is a Cash Flow ARM?</title>
<link>http://EzineArticles.com/332245</link>
<guid>http://EzineArticles.com/332245</guid>
<pubDate>Wed, 18 Oct 2006 20:06:22 -0500</pubDate>
<description><![CDATA[Summary

Cash flow ARMs are loans that allow you to choose the monthly payment you want to make.

Here is how they work, and whether they may help you manage your money.
]]></description>
</item>
<item>
<title>What If I Don't Have Enough Equity?</title>
<link>http://EzineArticles.com/331365</link>
<guid>http://EzineArticles.com/331365</guid>
<pubDate>Wed, 18 Oct 2006 13:47:02 -0500</pubDate>
<description><![CDATA[If you are thinking of refinancing you might wonder how successful you will be if you don't have very much equity in your property.

 

Here are some options you still might have.
]]></description>
</item>
<item>
<title>FICO Score Below 500 and Refinancing</title>
<link>http://EzineArticles.com/331360</link>
<guid>http://EzineArticles.com/331360</guid>
<pubDate>Wed, 18 Oct 2006 13:41:01 -0500</pubDate>
<description><![CDATA[Borrowers trying to refinance with a FICO score below 500 may still have some loan options.

Here is a list of quick tips for this situation.
]]></description>
</item>
<item>
<title>What Kind Of Mortgages Can I Get From A Sub-Prime Lender?</title>
<link>http://EzineArticles.com/331358</link>
<guid>http://EzineArticles.com/331358</guid>
<pubDate>Wed, 18 Oct 2006 13:41:00 -0500</pubDate>
<description><![CDATA[Sub-prime lenders offer borrower with bad credit the chance to get all different kinds of mortgage loans.

Here are the loans you can get and ones you are unlikely to get if you have bad credit.
]]></description>
</item>
<item>
<title>Who Are Eligible Borrowers For A Mortgage?</title>
<link>http://EzineArticles.com/331363</link>
<guid>http://EzineArticles.com/331363</guid>
<pubDate>Wed, 18 Oct 2006 13:24:02 -0500</pubDate>
<description><![CDATA[Mortgage lenders often define who can apply for certain types of loans.

Here is how to understand this and see if you need help to get your loan approved.
]]></description>
</item>
<item>
<title>When Does An Interest Only Mortgage Make Sense?</title>
<link>http://EzineArticles.com/331359</link>
<guid>http://EzineArticles.com/331359</guid>
<pubDate>Wed, 18 Oct 2006 13:06:01 -0500</pubDate>
<description><![CDATA[Many mortgage lenders now offer interest only mortgages.

Here is how to see if one is right for you.
]]></description>
</item>
<item>
<title>Who Are The Different People Involved In Getting A Mortgage?</title>
<link>http://EzineArticles.com/331361</link>
<guid>http://EzineArticles.com/331361</guid>
<pubDate>Wed, 18 Oct 2006 13:04:02 -0500</pubDate>
<description><![CDATA[There are many different parties involved in a mortgage.

Here is a quick summary of what you can expect when you apply for a mortgage.
]]></description>
</item>
<item>
<title>What If My House Is Too Expensive?</title>
<link>http://EzineArticles.com/331357</link>
<guid>http://EzineArticles.com/331357</guid>
<pubDate>Wed, 18 Oct 2006 13:02:00 -0500</pubDate>
<description><![CDATA[In this market many borrowers may have found themselves in a real estate property that is simply too expensive for them to keep.

Here is some advice about your options.
]]></description>
</item>
<item>
<title>What Are Credit Score Requirements For Mortgages?</title>
<link>http://EzineArticles.com/331345</link>
<guid>http://EzineArticles.com/331345</guid>
<pubDate>Wed, 18 Oct 2006 12:59:54 -0500</pubDate>
<description><![CDATA[Mortgage lenders pay particularly close attention to your credit score. 

Here is what credit score requirements mean, and how you can still get a mortgage.
]]></description>
</item>
<item>
<title>Can I Get A Refinance With Very Bad Credit?</title>
<link>http://EzineArticles.com/331324</link>
<guid>http://EzineArticles.com/331324</guid>
<pubDate>Wed, 18 Oct 2006 12:57:41 -0500</pubDate>
<description><![CDATA[Your credit score may hold you back when you are trying to refinance.

Here is how you may still be able to refinance.
]]></description>
</item>
<item>
<title>Credit Score and Mortgages - Ways To Get A Higher Score</title>
<link>http://EzineArticles.com/331327</link>
<guid>http://EzineArticles.com/331327</guid>
<pubDate>Wed, 18 Oct 2006 12:56:42 -0500</pubDate>
<description><![CDATA[Your credit score is a basic measure of your finances. Here are some helpful hints that may raise your credit score.
]]></description>
</item>
<item>
<title>Selling Your Property: How Much Money Will You Make?</title>
<link>http://EzineArticles.com/331342</link>
<guid>http://EzineArticles.com/331342</guid>
<pubDate>Wed, 18 Oct 2006 12:53:52 -0500</pubDate>
<description><![CDATA[Selling a property is one way for a homeowner or real estate investor to make a significant amount of money.

Here is how to figure out how much money you will make.
]]></description>
</item>
<item>
<title>How Much Cash Do I Need To Buy A Property?</title>
<link>http://EzineArticles.com/331334</link>
<guid>http://EzineArticles.com/331334</guid>
<pubDate>Wed, 18 Oct 2006 12:51:48 -0500</pubDate>
<description><![CDATA[The answer depends on what kind of loan you want. It can be next to no cash at all if you can get your deal done a certain way. Here is some advice to help you.
]]></description>
</item>
<item>
<title>How Does A Mortgage Qualification Ratio Affect Me?</title>
<link>http://EzineArticles.com/331333</link>
<guid>http://EzineArticles.com/331333</guid>
<pubDate>Wed, 18 Oct 2006 12:42:47 -0500</pubDate>
<description><![CDATA[Mortgage lenders decide whether to approve your loan or not based on many different factors. One of the most important is the borrower's qualifying ratio.

Here is what it is and how it affects you.
]]></description>
</item>
<item>
<title>What Are Sub Prime Mortgage Lenders?</title>
<link>http://EzineArticles.com/331353</link>
<guid>http://EzineArticles.com/331353</guid>
<pubDate>Wed, 18 Oct 2006 12:40:58 -0500</pubDate>
<description><![CDATA[There are many different types of mortgage lenders. A sub-prime mortgage lender focuses on borrowers with bad or challenging credit situations. They may be able to offer mortgages that other lenders will not offer you.
]]></description>
</item>
<item>
<title>Flipping Properties and Mortgages</title>
<link>http://EzineArticles.com/331329</link>
<guid>http://EzineArticles.com/331329</guid>
<pubDate>Wed, 18 Oct 2006 12:40:45 -0500</pubDate>
<description><![CDATA[People who buy properties and sell them quickly are known as property flippers. Here are some tips on what kinds of mortgages can help these real estate investors.
]]></description>
</item>
<item>
<title>What Are My Cash Reserve Requirements?</title>
<link>http://EzineArticles.com/331351</link>
<guid>http://EzineArticles.com/331351</guid>
<pubDate>Wed, 18 Oct 2006 12:38:57 -0500</pubDate>
<description><![CDATA[Mortgage lenders will often require a certain amount of cash reserves. 

Here is what this means and how to deal with this.
]]></description>
</item>
<item>
<title>What Are Different Loan Scenarios?</title>
<link>http://EzineArticles.com/331346</link>
<guid>http://EzineArticles.com/331346</guid>
<pubDate>Wed, 18 Oct 2006 12:38:55 -0500</pubDate>
<description><![CDATA[There are many different ways you can get a mortgage loan. These are usually "loan scenarios". 

This is how they work and can affect your payments.
]]></description>
</item>
<item>
<title>Refinancing Mistakes and Prepayment Penalties</title>
<link>http://EzineArticles.com/331341</link>
<guid>http://EzineArticles.com/331341</guid>
<pubDate>Wed, 18 Oct 2006 12:37:52 -0500</pubDate>
<description><![CDATA[Mortgage lenders often offer loans with prepayment penalties.

Here is how to work this to your advantage.
]]></description>
</item>
<item>
<title>Shopping Around Mortgage Rates</title>
<link>http://EzineArticles.com/331343</link>
<guid>http://EzineArticles.com/331343</guid>
<pubDate>Wed, 18 Oct 2006 12:35:53 -0500</pubDate>
<description><![CDATA[Shopping around mortgage rates can be frustrating. Here are some pointers to help you shop around your rates.
]]></description>
</item>
<item>
<title>How To Make Instant Equity Work For You</title>
<link>http://EzineArticles.com/331335</link>
<guid>http://EzineArticles.com/331335</guid>
<pubDate>Wed, 18 Oct 2006 12:31:49 -0500</pubDate>
<description><![CDATA[Instant equity is when you purchase a property with built-in equity. You may be able to use this to refinance to a lower payment or even to cash out some of the equity.
]]></description>
</item>
<item>
<title>Can I Get A No Documentation Mortgage?</title>
<link>http://EzineArticles.com/331321</link>
<guid>http://EzineArticles.com/331321</guid>
<pubDate>Wed, 18 Oct 2006 12:26:40 -0500</pubDate>
<description><![CDATA[Some mortgage lenders offer borrowers the opportunity to get a mortgage without documenting much.

Here is how no documentation mortgages work.
]]></description>
</item>
<item>
<title>What If I Get The Wrong Mortgage?</title>
<link>http://EzineArticles.com/331356</link>
<guid>http://EzineArticles.com/331356</guid>
<pubDate>Wed, 18 Oct 2006 12:24:59 -0500</pubDate>
<description><![CDATA[There are many different mortgage options available to borrowers these days.

Here is some advice for borrowers who got into the wrong loan.
]]></description>
</item>
<item>
<title>Challenging Credit and Refinancing</title>
<link>http://EzineArticles.com/331325</link>
<guid>http://EzineArticles.com/331325</guid>
<pubDate>Wed, 18 Oct 2006 12:21:42 -0500</pubDate>
<description><![CDATA[Even if you have challenging or bad credit you still may be able to refinance.

Here is some advice to help you.
]]></description>
</item>
<item>
<title>Different Ways To Have 100% Financing Work For You</title>
<link>http://EzineArticles.com/331328</link>
<guid>http://EzineArticles.com/331328</guid>
<pubDate>Wed, 18 Oct 2006 12:19:44 -0500</pubDate>
<description><![CDATA[Your lender will offer you many mortgage financing options.

Here is how to work your options to get exactly what you want.
]]></description>
</item>
<item>
<title>What Are Different Mortgage Documentation Types?</title>
<link>http://EzineArticles.com/331350</link>
<guid>http://EzineArticles.com/331350</guid>
<pubDate>Wed, 18 Oct 2006 12:18:57 -0500</pubDate>
<description><![CDATA[Mortgage lenders often accept borrowers who can document only part of their mortgage application.

Here is how this works.
]]></description>
</item>
<item>
<title>How Do I Know If A Mortgage Quote Is For Real?</title>
<link>http://EzineArticles.com/331331</link>
<guid>http://EzineArticles.com/331331</guid>
<pubDate>Wed, 18 Oct 2006 12:15:46 -0500</pubDate>
<description><![CDATA[When you shop around for a mortgage loan you may get quotes from certain lenders.

Here is how to compare them properly.
]]></description>
</item>
<item>
<title>Refinancing Best Practices</title>
<link>http://EzineArticles.com/331340</link>
<guid>http://EzineArticles.com/331340</guid>
<pubDate>Wed, 18 Oct 2006 12:12:52 -0500</pubDate>
<description><![CDATA[Getting a refinance done is a huge financial transaction. 

Here are items you should do to get yourself a good deal.
]]></description>
</item>
<item>
<title>What Are Some Examples Of Mortgage Loan Conditions?</title>
<link>http://EzineArticles.com/331352</link>
<guid>http://EzineArticles.com/331352</guid>
<pubDate>Wed, 18 Oct 2006 12:07:58 -0500</pubDate>
<description><![CDATA[When you get "approved" by a mortgage lender you may still need to supply additional information in order to actually be able to get the loan.

Here is some help about what you can expect.
]]></description>
</item>
<item>
<title>What Causes Mortgage Delays?</title>
<link>http://EzineArticles.com/331354</link>
<guid>http://EzineArticles.com/331354</guid>
<pubDate>Wed, 18 Oct 2006 12:06:59 -0500</pubDate>
<description><![CDATA[The mortgage process usually takes around 30 days from start to finish.

It can end up being much slower and more painful with delays.

Here is how to help avoid these.
]]></description>
</item>
<item>
<title>Refinancing And Debt Payment Mistakes</title>
<link>http://EzineArticles.com/331336</link>
<guid>http://EzineArticles.com/331336</guid>
<pubDate>Wed, 18 Oct 2006 12:03:50 -0500</pubDate>
<description><![CDATA[One of the advantages of a refinance is that you can pay off debts.

Here is how to make sure this goes right. You can end up paying thousands of dollars to old creditors if you are not careful.
]]></description>
</item>
<item>
<title>Signs Of A Lousy Mortgage Deal</title>
<link>http://EzineArticles.com/330234</link>
<guid>http://EzineArticles.com/330234</guid>
<pubDate>Tue, 17 Oct 2006 12:58:12 -0500</pubDate>
<description><![CDATA[Here are some quick tips to see if you are getting a lousy mortgage deal.
]]></description>
</item>
<item>
<title>What If I Am Late On A Mortgage?</title>
<link>http://EzineArticles.com/330241</link>
<guid>http://EzineArticles.com/330241</guid>
<pubDate>Tue, 17 Oct 2006 12:54:14 -0500</pubDate>
<description><![CDATA[Borrowers may be late some time on their mortgage payments.

This is how this can affect you and your pocketbook.
]]></description>
</item>
<item>
<title>How Much Will A Refinance Will Save You?</title>
<link>http://EzineArticles.com/330243</link>
<guid>http://EzineArticles.com/330243</guid>
<pubDate>Tue, 17 Oct 2006 12:44:20 -0500</pubDate>
<description><![CDATA[Lowering your monthly mortgage payment is a primary financial goal of many people.

Here is how to figure out how much lower your mortgage payment can get.
]]></description>
</item>
<item>
<title>Mortgages for Entrepreneurs</title>
<link>http://EzineArticles.com/330240</link>
<guid>http://EzineArticles.com/330240</guid>
<pubDate>Tue, 17 Oct 2006 12:36:14 -0500</pubDate>
<description><![CDATA[Being self-employed can be challenging when you are looking for a mortgage.

Here are some tips to help you go through the loan process smoothly.
]]></description>
</item>
<item>
<title>How Do You Make Your Refinance Go Smoothly?</title>
<link>http://EzineArticles.com/330236</link>
<guid>http://EzineArticles.com/330236</guid>
<pubDate>Tue, 17 Oct 2006 12:23:13 -0500</pubDate>
<description><![CDATA[Getting a refinance can be a stressful affair.

Often times a lot of money is riding on the outcome. Here is how to make the process work more smoothly for you.
]]></description>
</item>
<item>
<title>Where Does Your Down Payment Come From?</title>
<link>http://EzineArticles.com/330238</link>
<guid>http://EzineArticles.com/330238</guid>
<pubDate>Tue, 17 Oct 2006 12:19:14 -0500</pubDate>
<description><![CDATA[When you are purchasing a property you may to make a down payment.

Here is what to expect to make sure you don't run into any problems.
]]></description>
</item>
<item>
<title>How Much Will A Refinance Save Me?</title>
<link>http://EzineArticles.com/330244</link>
<guid>http://EzineArticles.com/330244</guid>
<pubDate>Tue, 17 Oct 2006 12:11:21 -0500</pubDate>
<description><![CDATA[There are many ways a borrower can refinance today.

Here is how to figure out how much you can save.
]]></description>
</item>
<item>
<title>Getting A Mortgage As Fast As Possible</title>
<link>http://EzineArticles.com/330242</link>
<guid>http://EzineArticles.com/330242</guid>
<pubDate>Tue, 17 Oct 2006 12:11:15 -0500</pubDate>
<description><![CDATA[Sometimes a borrower is in a crunch and needs to get a mortgage done fast.

Here are some tips to make this happen.
]]></description>
</item>
<item>
<title>When Should You Refinance</title>
<link>http://EzineArticles.com/330224</link>
<guid>http://EzineArticles.com/330224</guid>
<pubDate>Tue, 17 Oct 2006 09:59:50 -0500</pubDate>
<description><![CDATA[Summary

Many mortgage lenders offer borrowers the chance to refinance their properties.

Here is how to know when a refinance is right for you.
]]></description>
</item>
<item>
<title>Refinancing With The Right Loan Program After A Debt Consolidation</title>
<link>http://EzineArticles.com/330223</link>
<guid>http://EzineArticles.com/330223</guid>
<pubDate>Tue, 17 Oct 2006 09:58:49 -0500</pubDate>
<description><![CDATA[Summary

Getting a debt consolidation is only the first part of your refinance.

You need to decide what kind of loan program you can live with.
]]></description>
</item>
<item>
<title>Debt Consolidation Refinance - How To Save Your Money</title>
<link>http://EzineArticles.com/330219</link>
<guid>http://EzineArticles.com/330219</guid>
<pubDate>Tue, 17 Oct 2006 09:56:44 -0500</pubDate>
<description><![CDATA[Summary

When you apply to do a debt consolidation you should know your options first.

If you are prepared you may be able to save yourself a lot of money during this process.
]]></description>
</item>
<item>
<title>Pitfalls in Refinances</title>
<link>http://EzineArticles.com/330217</link>
<guid>http://EzineArticles.com/330217</guid>
<pubDate>Tue, 17 Oct 2006 09:49:42 -0500</pubDate>
<description><![CDATA[Summary

You can be hit by surprises when you refinance your mortgage.

Some of these surprises can cost you thousands or tens of thousands of dollars. Here is some help to protect you.
]]></description>
</item>
<item>
<title>How Your Mortgage Is Affected By Debt Ratios</title>
<link>http://EzineArticles.com/330222</link>
<guid>http://EzineArticles.com/330222</guid>
<pubDate>Tue, 17 Oct 2006 09:48:48 -0500</pubDate>
<description><![CDATA[Summary

One of the most important factors in getting approved for a mortgage is your debt ratio.

Here is how this works in your mortgage, and how you may still be able to get the mortgage you want.
]]></description>
</item>
<item>
<title>How Can I Get A More Expensive House</title>
<link>http://EzineArticles.com/330209</link>
<guid>http://EzineArticles.com/330209</guid>
<pubDate>Tue, 17 Oct 2006 09:47:36 -0500</pubDate>
<description><![CDATA[Summary

There are many loan options for people who want to get a more expensive property.
]]></description>
</item>
<item>
<title>Credit Repair and Mortgages</title>
<link>http://EzineArticles.com/330221</link>
<guid>http://EzineArticles.com/330221</guid>
<pubDate>Tue, 17 Oct 2006 09:45:46 -0500</pubDate>
<description><![CDATA[Your credit score is a critical part of whether your mortgage is approved and what interest rates you will be offered.

Here is help for you about the credit repair process.
]]></description>
</item>
<item>
<title>Good Faith Estimates - How They Can Change</title>
<link>http://EzineArticles.com/330190</link>
<guid>http://EzineArticles.com/330190</guid>
<pubDate>Tue, 17 Oct 2006 09:45:27 -0500</pubDate>
<description><![CDATA[Summary

The good faith estimate is what you receive after you apply for a mortgage. Here is what to watch out for.
]]></description>
</item>
<item>
<title>Know Your Refinance Goals Up Front</title>
<link>http://EzineArticles.com/330215</link>
<guid>http://EzineArticles.com/330215</guid>
<pubDate>Tue, 17 Oct 2006 09:36:40 -0500</pubDate>
<description><![CDATA[Summary

Before you refinance make sure you know exactly what your goals are.

Being prepared can save you thousands or tens of thousands of dollars over time.
]]></description>
</item>
<item>
<title>Great Credit Scores and Mortgages</title>
<link>http://EzineArticles.com/330189</link>
<guid>http://EzineArticles.com/330189</guid>
<pubDate>Tue, 17 Oct 2006 09:34:26 -0500</pubDate>
<description><![CDATA[Summary

Your credit score is a critical measure used to determine the interest rate and fees you are offered on your mortgage.

Here is how to make the most of your high credit score.
]]></description>
</item>
<item>
<title>How Do Multiple Refinance Quotes Help You</title>
<link>http://EzineArticles.com/330214</link>
<guid>http://EzineArticles.com/330214</guid>
<pubDate>Tue, 17 Oct 2006 09:28:39 -0500</pubDate>
<description><![CDATA[Summary

When you are applying for a mortgage you will be able to get many competing offers.

Here is why you should shop around to get yourself the best deal.
]]></description>
</item>
<item>
<title>What Is The Interest Rate On A Minimum Payment Option Loan</title>
<link>http://EzineArticles.com/330227</link>
<guid>http://EzineArticles.com/330227</guid>
<pubDate>Tue, 17 Oct 2006 09:27:55 -0500</pubDate>
<description><![CDATA[You may hear loan offers for 1% minimum payment option loans or 1% cash flow loans.

Before you get this loan you should understand what your real interest rate is.
]]></description>
</item>
<item>
<title>How Mortgage Lender Programs Work</title>
<link>http://EzineArticles.com/330232</link>
<guid>http://EzineArticles.com/330232</guid>
<pubDate>Tue, 17 Oct 2006 09:18:57 -0500</pubDate>
<description><![CDATA[Summary

There are hundreds of different mortgage loans available today.

Here is how to decide what is right for you.
]]></description>
</item>
<item>
<title>What Is A Graduated Payment Mortgage</title>
<link>http://EzineArticles.com/330186</link>
<guid>http://EzineArticles.com/330186</guid>
<pubDate>Tue, 17 Oct 2006 09:14:25 -0500</pubDate>
<description><![CDATA[Summary

Graduated payment mortgages are loans that offer a borrower the chance to have lower payments up front and larger payments in the future.

Here is how it works, and why it may make sense for you.
]]></description>
</item>
<item>
<title>How Credit Reporting Agencies Affect Your Mortgage</title>
<link>http://EzineArticles.com/330220</link>
<guid>http://EzineArticles.com/330220</guid>
<pubDate>Tue, 17 Oct 2006 09:07:46 -0500</pubDate>
<description><![CDATA[Your mortgage is often driven by your credit score.

Here is what you need to know to make sure you get the best deal possible.
]]></description>
</item>
<item>
<title>What Is A Fixed Rate Mortgage?</title>
<link>http://EzineArticles.com/330195</link>
<guid>http://EzineArticles.com/330195</guid>
<pubDate>Tue, 17 Oct 2006 09:05:31 -0500</pubDate>
<description><![CDATA[Summary

The term "fixed rate mortgage" is used a lot.

It can mean many different things. Here is some help in understanding this so you don't get the wrong loan.
]]></description>
</item>
<item>
<title>Pitfalls Of Consolidating Debt With A Refinance</title>
<link>http://EzineArticles.com/330218</link>
<guid>http://EzineArticles.com/330218</guid>
<pubDate>Tue, 17 Oct 2006 09:02:44 -0500</pubDate>
<description><![CDATA[When you consolidate your debt with a refinance it is very easy to make mistakes that cost you thousands or tens of thousands of dollars.

Here is some help to protect you and save your money.
]]></description>
</item>
<item>
<title>What Is Payment Shock</title>
<link>http://EzineArticles.com/330199</link>
<guid>http://EzineArticles.com/330199</guid>
<pubDate>Tue, 17 Oct 2006 09:02:33 -0500</pubDate>
<description><![CDATA[Summary

Payment shock is when a borrower's monthly payment increases by a large margin. This can cause financial difficulty. This is how it happens and how it can be avoided.]]></description>
</item>
<item>
<title>How To Compare Mortgage Closing Costs</title>
<link>http://EzineArticles.com/330197</link>
<guid>http://EzineArticles.com/330197</guid>
<pubDate>Tue, 17 Oct 2006 09:02:32 -0500</pubDate>
<description><![CDATA[Summary

Your closing costs can be high or low, depending on how you shop around and which mortgage lender or broker you choose.

Here is some advice to help you get the best deal.
]]></description>
</item>
<item>
<title>Full Rental Property Financing</title>
<link>http://EzineArticles.com/330193</link>
<guid>http://EzineArticles.com/330193</guid>
<pubDate>Tue, 17 Oct 2006 09:00:29 -0500</pubDate>
<description><![CDATA[Summary

Investors who buy rental properties have a wide range of new financing options available.

This includes 100% financing. Here is some help about full rental property financing.
]]></description>
</item>
<item>
<title>How Do I Get Out Of An Adjustable Rate Mortgage?</title>
<link>http://EzineArticles.com/326695</link>
<guid>http://EzineArticles.com/326695</guid>
<pubDate>Fri, 13 Oct 2006 05:59:48 -0500</pubDate>
<description><![CDATA[Summary

Many borrowers are facing the unpleasant prospect of their mortgage rates adjusting up.

Here is what you can do to avoid a massive increase in your monthly payment. 
]]></description>
</item>
<item>
<title>How To Compare Mortgage Refinance Rates</title>
<link>http://EzineArticles.com/326689</link>
<guid>http://EzineArticles.com/326689</guid>
<pubDate>Fri, 13 Oct 2006 05:24:47 -0500</pubDate>
<description><![CDATA[Summary

When you get different offers for a refinance all the terms can be confusing.

Here is some quick help in how to get the best deal.
]]></description>
</item>
<item>
<title>How Many Different Mortgage Offers Should You Get?</title>
<link>http://EzineArticles.com/326687</link>
<guid>http://EzineArticles.com/326687</guid>
<pubDate>Fri, 13 Oct 2006 05:19:46 -0500</pubDate>
<description><![CDATA[Summary

When you are looking for a good mortgage deal you should check with a couple of different loan sources.

Here are the things to keep in mind to get the best deal for you. 
]]></description>
</item>
<item>
<title>What Is A Quick Mortgage Loan Checklist?</title>
<link>http://EzineArticles.com/326691</link>
<guid>http://EzineArticles.com/326691</guid>
<pubDate>Fri, 13 Oct 2006 05:18:48 -0500</pubDate>
<description><![CDATA[Summary

Here is a mortgage loan checklist for you to consider. This list can help you if you are going to purchase a property or refinance. 

Basics
]]></description>
</item>
<item>
<title>Stretching Your Dollars When Getting A Mortgage</title>
<link>http://EzineArticles.com/326560</link>
<guid>http://EzineArticles.com/326560</guid>
<pubDate>Thu, 12 Oct 2006 21:58:35 -0500</pubDate>
<description><![CDATA[Summary

There are many loan options available today to help you stretch your dollar.

Here is how you can buy a bigger property. 
]]></description>
</item>
<item>
<title>How Do I Manage Cash Flow With A Cash Flow Payment Option Loan?</title>
<link>http://EzineArticles.com/326563</link>
<guid>http://EzineArticles.com/326563</guid>
<pubDate>Thu, 12 Oct 2006 21:30:36 -0500</pubDate>
<description><![CDATA[Summary

You can manage your cash flow with a cash flow payment option loan.

Here is a quick guide on how this works. 
]]></description>
</item>
<item>
<title>California Mortgage Borrowers - How To Shop Around</title>
<link>http://EzineArticles.com/326554</link>
<guid>http://EzineArticles.com/326554</guid>
<pubDate>Thu, 12 Oct 2006 21:30:33 -0500</pubDate>
<description><![CDATA[Mortgages in California can be very costly. Monthly payments can be very expensive, often costing thousands of dollars. 

Here is how to shop around to get a great deal. 
]]></description>
</item>
<item>
<title>How Do People WIth Bad Credit Get Approved To Buy A House?</title>
<link>http://EzineArticles.com/326548</link>
<guid>http://EzineArticles.com/326548</guid>
<pubDate>Thu, 12 Oct 2006 21:17:33 -0500</pubDate>
<description><![CDATA[Summary

Having bad credit does not have to stop you from buying a property.

Here is some help for you in getting approved. 
]]></description>
</item>
<item>
<title>No Money Down Mortgages - What Are My Options?</title>
<link>http://EzineArticles.com/326565</link>
<guid>http://EzineArticles.com/326565</guid>
<pubDate>Thu, 12 Oct 2006 21:09:37 -0500</pubDate>
<description><![CDATA[Summary

There are many loan options for borrowers who want a no money down mortgage.

Here are some quick tips to help you. 
]]></description>
</item>
<item>
<title>Rental Property - How To Lower Your Monthly Payment</title>
<link>http://EzineArticles.com/326556</link>
<guid>http://EzineArticles.com/326556</guid>
<pubDate>Thu, 12 Oct 2006 21:03:34 -0500</pubDate>
<description><![CDATA[Summary

There are many new mortgage options for rental property owners.

Here are some loan options to lower your monthly payment. 
]]></description>
</item>
<item>
<title>Can I Refinance The Day After I Buy My Property?</title>
<link>http://EzineArticles.com/326541</link>
<guid>http://EzineArticles.com/326541</guid>
<pubDate>Thu, 12 Oct 2006 20:48:27 -0500</pubDate>
<description><![CDATA[Here are some tips on your refinancing options - even the day after you buy a property.]]></description>
</item>
<item>
<title>How Do I Know If Builder Loans Are The Best Deal?</title>
<link>http://EzineArticles.com/326544</link>
<guid>http://EzineArticles.com/326544</guid>
<pubDate>Thu, 12 Oct 2006 20:47:28 -0500</pubDate>
<description><![CDATA[Summary

When you are looking to buy a brand new property most lenders will offer to provide your loan as well.

Here is when to know if it is a good deal. 
]]></description>
</item>
<item>
<title>How Can I Use A Buy Down On A Mortgage?</title>
<link>http://EzineArticles.com/326550</link>
<guid>http://EzineArticles.com/326550</guid>
<pubDate>Thu, 12 Oct 2006 20:32:29 -0500</pubDate>
<description><![CDATA[Summary

Buying down a mortgage is paying a lender up front in exchange for a lower interest rate.

Here is how to make this work for you. 
]]></description>
</item>
<item>
<title>What Are The Special Mortgage Challenges for Self Employed Borrowers?</title>
<link>http://EzineArticles.com/326546</link>
<guid>http://EzineArticles.com/326546</guid>
<pubDate>Thu, 12 Oct 2006 20:02:29 -0500</pubDate>
<description><![CDATA[Summary

Self-employed borrowers, such as small business owners or consultants, are usually treated differently by mortgage lenders.

Here are some helpful tips on what to expect and steps you can take to make things work for you. 
]]></description>
</item>
<item>
<title>California Refinancing - What To Look Out For</title>
<link>http://EzineArticles.com/326552</link>
<guid>http://EzineArticles.com/326552</guid>
<pubDate>Thu, 12 Oct 2006 20:01:31 -0500</pubDate>
<description><![CDATA[Summary

Borrowers in California have a very wide range of choices when refinancing.

Here are some quick pointers to help you. 
]]></description>
</item>
<item>
<title>How Do I Figure Out What Kind Of Mortgage I Want</title>
<link>http://EzineArticles.com/325329</link>
<guid>http://EzineArticles.com/325329</guid>
<pubDate>Thu, 12 Oct 2006 11:27:21 -0500</pubDate>
<description><![CDATA[Summary
As a real estate buyer or someone looking for a refinance you will need to decide what kind of mortgage is right for you.

Here is some help in figuring out what works best for you. 
]]></description>
</item>
<item>
<title>What Should I Look For On My Credit Report That Affects A Mortgage?</title>
<link>http://EzineArticles.com/325320</link>
<guid>http://EzineArticles.com/325320</guid>
<pubDate>Thu, 12 Oct 2006 05:59:53 -0500</pubDate>
<description><![CDATA[Summary
If you are looking to purchase a property or refinance it pays to check your credit first.

Mistakes on your credit report can cost you thousands of dollars over time that you shouldn't have to pay. 
]]></description>
</item>
<item>
<title>Can I Get A Low Documentation Loan?</title>
<link>http://EzineArticles.com/325330</link>
<guid>http://EzineArticles.com/325330</guid>
<pubDate>Thu, 12 Oct 2006 05:42:56 -0500</pubDate>
<description><![CDATA[Mortgages often involve a blizzard of paperwork.

Here is how you if a low documentation loan is right for you. 
]]></description>
</item>
<item>
<title>How Do I Know When My Mortgage Application Is Approved?</title>
<link>http://EzineArticles.com/325319</link>
<guid>http://EzineArticles.com/325319</guid>
<pubDate>Thu, 12 Oct 2006 05:37:53 -0500</pubDate>
<description><![CDATA[Summary
Getting your mortgage approved is a big step in getting to purchase a property or do a refinance.

When you are "approved" here is what this really means. 
]]></description>
</item>
<item>
<title>Is My Annual Percentage Rate What Determines My Payment?</title>
<link>http://EzineArticles.com/325325</link>
<guid>http://EzineArticles.com/325325</guid>
<pubDate>Thu, 12 Oct 2006 05:31:55 -0500</pubDate>
<description><![CDATA[Your annual percentage rate is different than your interest rate.

Here is how to see how this affects your monthly payment. 
]]></description>
</item>
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