<?xml version="1.0" encoding="utf-8"?>
<rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/">
<channel>
<title>Sergio Haros - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Sergio_Haros</link>
<pubDate>Wed, 15 Feb 2012 00:36:51 -0600</pubDate>
<image><title>Sergio Haros - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Sergio_Haros</link>
<url>http://EzineArticles.com/images/ea_logo.jpg</url>
</image>
<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Sergio Haros is a San Diego mortgage broker with Great Western Mortgage.]]></description>
<lastBuildDate>Thu, 22 Mar 2007 09:56:53 -0500</lastBuildDate>
<atom:link rel="hub" href="https://pubsubhubbub.appspot.com" />
<item>
<title>Check Your Credit Before Applying for a Mortgage</title>
<link>http://EzineArticles.com/497723</link>
<guid>http://EzineArticles.com/497723</guid>
<pubDate>Thu, 22 Mar 2007 09:56:53 -0500</pubDate>
<description><![CDATA[Most people have a pretty good idea of how their credit looks. At least, they think they do. It is vital that you actually verify your credit situation before applying for a mortgage to avoid ugly surprises. 
]]></description>
</item>
<item>
<title>Using Home Equity Lines of Credit as Bridge Loans</title>
<link>http://EzineArticles.com/497721</link>
<guid>http://EzineArticles.com/497721</guid>
<pubDate>Thu, 22 Mar 2007 09:24:53 -0500</pubDate>
<description><![CDATA[If you decide to sell your home, you most likely are going to want to buy another one. This process is known as stepping up in the market, but can lead to financing problems. 
]]></description>
</item>
<item>
<title>Close Credit Cards Before Applying for a Mortgage?</title>
<link>http://EzineArticles.com/497718</link>
<guid>http://EzineArticles.com/497718</guid>
<pubDate>Thu, 22 Mar 2007 09:17:53 -0500</pubDate>
<description><![CDATA[Only in America could you have something like credit cards. Lenders more or less throw money at you by offering you credit cards, but can you have too many when it comes time to apply for a home loan?
]]></description>
</item>
<item>
<title>Mortgage Affordability</title>
<link>http://EzineArticles.com/497716</link>
<guid>http://EzineArticles.com/497716</guid>
<pubDate>Thu, 22 Mar 2007 09:05:53 -0500</pubDate>
<description><![CDATA[When it comes to financing for real estate, the tendency is to think big in relation to the amount you can borrow. In truth, affordability should be a bigger issue. 
]]></description>
</item>
<item>
<title>Understanding Mortgage Servicers</title>
<link>http://EzineArticles.com/497724</link>
<guid>http://EzineArticles.com/497724</guid>
<pubDate>Thu, 22 Mar 2007 09:04:54 -0500</pubDate>
<description><![CDATA[The mortgage industry may seem simple on its face, but it is actually fairly complex. In this article, we discuss the ubiquitous mortgage servicer. 
]]></description>
</item>
<item>
<title>Using Retirement Savings for Your Down Payment</title>
<link>http://EzineArticles.com/468770</link>
<guid>http://EzineArticles.com/468770</guid>
<pubDate>Mon, 26 Feb 2007 15:47:50 -0600</pubDate>
<description><![CDATA[One of the biggest hurdles to buying your first home is coming up with the down payment. Alas, you may already have it and not even realize it. 
]]></description>
</item>
<item>
<title>Don't Go Crazy With Your Home Equity</title>
<link>http://EzineArticles.com/468774</link>
<guid>http://EzineArticles.com/468774</guid>
<pubDate>Mon, 26 Feb 2007 15:45:51 -0600</pubDate>
<description><![CDATA[There were many benefits to the red-hot real estate market earlier this decade. One is the fact many people are sitting on homes with lots of equity. Tapping such equity should be done very carefully. 
]]></description>
</item>
<item>
<title>Making the Refinance Decision</title>
<link>http://EzineArticles.com/468772</link>
<guid>http://EzineArticles.com/468772</guid>
<pubDate>Mon, 26 Feb 2007 15:18:51 -0600</pubDate>
<description><![CDATA[If you own a home, sooner or later you will start thinking about refinancing. Making the decision to refinance should be carefully done or you could regret it. 
]]></description>
</item>
<item>
<title>Refinancing to Pay Off Credit Cards</title>
<link>http://EzineArticles.com/463691</link>
<guid>http://EzineArticles.com/463691</guid>
<pubDate>Thu, 22 Feb 2007 08:18:55 -0600</pubDate>
<description><![CDATA[Homeowners have seen massive increases in the values of their homes. At the same time, they tend to have significant personal debt. Ah, I think we have a match. 
]]></description>
</item>
<item>
<title>Getting Cash Out of a Home through Refinancing</title>
<link>http://EzineArticles.com/463690</link>
<guid>http://EzineArticles.com/463690</guid>
<pubDate>Thu, 22 Feb 2007 08:09:55 -0600</pubDate>
<description><![CDATA[Given the massive appreciation rates many areas saw in the early part of this decade, creating liquidity has become popular. The best way to convert equity to cash is through a refinance strategy.
]]></description>
</item>
<item>
<title>Picking a Mortgage Broker</title>
<link>http://EzineArticles.com/462524</link>
<guid>http://EzineArticles.com/462524</guid>
<pubDate>Wed, 21 Feb 2007 13:53:20 -0600</pubDate>
<description><![CDATA[The key to getting the best financing for your home purchase is to use a mortgage broker to shop the various loans available. Before you can do that, you need to know how to pick one. 
]]></description>
</item>
<item>
<title>The 2 Percent Rule and Deciding to Refinance</title>
<link>http://EzineArticles.com/462525</link>
<guid>http://EzineArticles.com/462525</guid>
<pubDate>Wed, 21 Feb 2007 13:13:21 -0600</pubDate>
<description><![CDATA[The mortgage industry is full of interesting little rules of thumb. When it comes to refinancing, you may have heard of the 2 percent rule. ]]></description>
</item>
<item>
<title>The 15-Year Mortgage Strategy</title>
<link>http://EzineArticles.com/462347</link>
<guid>http://EzineArticles.com/462347</guid>
<pubDate>Wed, 21 Feb 2007 11:50:42 -0600</pubDate>
<description><![CDATA[Many people focus on the interest rates and points of a loan till they can't see straight. In truth, the term of the loan is just as critical if not more so. 
]]></description>
</item>
<item>
<title>Avoiding the 125 Percent Home Equity Line of Credit</title>
<link>http://EzineArticles.com/462357</link>
<guid>http://EzineArticles.com/462357</guid>
<pubDate>Wed, 21 Feb 2007 09:58:09 -0600</pubDate>
<description><![CDATA[The mortgage market has grown leaps and bounds from the days when the 30 year mortgage was the primary loan available. That doesn't mean that all the new products are good for homeowners. 
]]></description>
</item>
<item>
<title>Using The Equity in Your Home</title>
<link>http://EzineArticles.com/462351</link>
<guid>http://EzineArticles.com/462351</guid>
<pubDate>Wed, 21 Feb 2007 09:03:07 -0600</pubDate>
<description><![CDATA[If you have owned a home for some time, you probably have amassed a nice nest egg of equity, particularly if you owned it through the recent price run up. So, how do you use it for practical needs?
]]></description>
</item>
<item>
<title>Getting A Mortgage with Horrific Credit</title>
<link>http://EzineArticles.com/454759</link>
<guid>http://EzineArticles.com/454759</guid>
<pubDate>Thu, 15 Feb 2007 08:45:02 -0600</pubDate>
<description><![CDATA[Historically, you needed to have fairly solid credit to obtain a mortgage loan for a home purchase. These days, this is less true even if you have horrific credit. 
]]></description>
</item>
<item>
<title>Who is Lending Money For Home Purchases?</title>
<link>http://EzineArticles.com/454760</link>
<guid>http://EzineArticles.com/454760</guid>
<pubDate>Thu, 15 Feb 2007 08:00:03 -0600</pubDate>
<description><![CDATA[Buying a home is exciting. Applying for a mortgage is not. Most people know a lot about the home purchase process, but few no much about mortgage lenders. 
]]></description>
</item>
<item>
<title>Should You Bite on a 50-Year Mortgage?</title>
<link>http://EzineArticles.com/430181</link>
<guid>http://EzineArticles.com/430181</guid>
<pubDate>Wed, 24 Jan 2007 16:36:19 -0600</pubDate>
<description><![CDATA[In the last few years, the mortgage industry has seen an explosion of new loan programs. One is the 50-year mortgage. The question is whether you should use it to finance your new home.
]]></description>
</item>
<item>
<title>Interviewing Prospective Mortgage Companies</title>
<link>http://EzineArticles.com/430178</link>
<guid>http://EzineArticles.com/430178</guid>
<pubDate>Wed, 24 Jan 2007 16:12:13 -0600</pubDate>
<description><![CDATA[If you are in the market for a mortgage loan, your best bet is to shop your financing needs across as many lenders as possible to get the best deal and find the best person to help you.
]]></description>
</item>
<item>
<title>Understanding Jumbo Mortgages</title>
<link>http://EzineArticles.com/427982</link>
<guid>http://EzineArticles.com/427982</guid>
<pubDate>Wed, 24 Jan 2007 08:57:19 -0600</pubDate>
<description><![CDATA[If you are buying a home in a state with high prices, you know financing can be an issue. This brings up the issue of the jumbo loan.
]]></description>
</item>
<item>
<title>A Quick Guide to Stated Income Financing</title>
<link>http://EzineArticles.com/427980</link>
<guid>http://EzineArticles.com/427980</guid>
<pubDate>Wed, 24 Jan 2007 08:45:17 -0600</pubDate>
<description><![CDATA[The mortgage industry has practically seen an explosion of new loan packages catering to the needs of just about anyone. Stated income financing is one such option. 
]]></description>
</item>
<item>
<title>Should You Apply for a Short Term Mortgage?</title>
<link>http://EzineArticles.com/426829</link>
<guid>http://EzineArticles.com/426829</guid>
<pubDate>Tue, 23 Jan 2007 09:05:00 -0600</pubDate>
<description><![CDATA[The traditional home loan market was all about the 30 year mortgage. These days, shorter term loans are available, but should you get one?
]]></description>
</item>
<item>
<title>Self-Employed Mortgage Solution - No Doc Loans</title>
<link>http://EzineArticles.com/426833</link>
<guid>http://EzineArticles.com/426833</guid>
<pubDate>Tue, 23 Jan 2007 08:55:04 -0600</pubDate>
<description><![CDATA[Small businesses are the pillars of our modern economy. Ironically, the millions of self-employed individuals can have a bear of a time getting financing. 
]]></description>
</item>
<item>
<title>Reason To Avoid Short Term Mortgages</title>
<link>http://EzineArticles.com/426832</link>
<guid>http://EzineArticles.com/426832</guid>
<pubDate>Tue, 23 Jan 2007 08:27:04 -0600</pubDate>
<description><![CDATA[Going with a shorter term mortgage can lead to a significant savings on the financing of your home. There are, however, certain situations where you should not go with a shorter term. 
]]></description>
</item>
<item>
<title>Get the Seller to Help with Your Mortgage</title>
<link>http://EzineArticles.com/419087</link>
<guid>http://EzineArticles.com/419087</guid>
<pubDate>Mon, 15 Jan 2007 16:59:46 -0600</pubDate>
<description><![CDATA[Since home prices are at historical highs, you may need some serious help coming up with the correct financing to buy a home. Surprisingly, help might be found right in front of you. 
]]></description>
</item>
<item>
<title>Getting Around Private Mortgage Insurance Problems</title>
<link>http://EzineArticles.com/419085</link>
<guid>http://EzineArticles.com/419085</guid>
<pubDate>Mon, 15 Jan 2007 16:45:46 -0600</pubDate>
<description><![CDATA[If you apply for a loan, 20 percent is the magical number you must focus on. If you put the amount or more down on a loan, you do not have to pay private mortgage insurance.
]]></description>
</item>
<item>
<title>Things To Discuss With A Mortgage Lender Rep</title>
<link>http://EzineArticles.com/419090</link>
<guid>http://EzineArticles.com/419090</guid>
<pubDate>Mon, 15 Jan 2007 16:30:47 -0600</pubDate>
<description><![CDATA[When you sit down to discuss your financing options for the purchase of a property, you can quickly get lost in the verbiage and minutia of finance. Here are some things you need to make sure you address. 
]]></description>
</item>
<item>
<title>Locking in Your Mortgage Interest Rate</title>
<link>http://EzineArticles.com/419093</link>
<guid>http://EzineArticles.com/419093</guid>
<pubDate>Mon, 15 Jan 2007 16:22:48 -0600</pubDate>
<description><![CDATA[When it comes to financing, it is important to understand that interest rates move on practically a daily basis. To be assured of a rate, you need to consider locking it in. 
]]></description>
</item>
<item>
<title>Cutting Mortgage Payments By Buying Down</title>
<link>http://EzineArticles.com/402090</link>
<guid>http://EzineArticles.com/402090</guid>
<pubDate>Tue, 02 Jan 2007 19:56:46 -0600</pubDate>
<description><![CDATA[Coming up with the cash to purchase a new home can be a real task. One way to create a bit of wiggle room is to lower your initial mortgage payments by buying them down. 
]]></description>
</item>
<item>
<title>A Quick Guide to Convertible Mortgage Loans</title>
<link>http://EzineArticles.com/402093</link>
<guid>http://EzineArticles.com/402093</guid>
<pubDate>Tue, 02 Jan 2007 19:14:48 -0600</pubDate>
<description><![CDATA[These days, it is amazing how many different mortgage options there are on the market. Some are better than others, and convertible financing can be one of the best. 
]]></description>
</item>
<item>
<title>The 2007 Mortgage Market</title>
<link>http://EzineArticles.com/396021</link>
<guid>http://EzineArticles.com/396021</guid>
<pubDate>Tue, 26 Dec 2006 12:16:03 -0600</pubDate>
<description><![CDATA[After years of simply amazing interest rates, 2006 turned out to be a bit of a watershed in the mortgage industry. With 2007 just a step away, what can we expect in the home loan market?
]]></description>
</item>
<item>
<title>Mortgage Relief, Short Sales and Taxes</title>
<link>http://EzineArticles.com/383472</link>
<guid>http://EzineArticles.com/383472</guid>
<pubDate>Tue, 12 Dec 2006 04:04:32 -0600</pubDate>
<description><![CDATA[As the real estate market has changed in the last year, many homeowners are starting to have problems meeting their mortgage. Short sales are touted as a solution, but you must consider taxes before doing it.
]]></description>
</item>
<item>
<title>Guide to Common FHA Mortgage Programs</title>
<link>http://EzineArticles.com/382973</link>
<guid>http://EzineArticles.com/382973</guid>
<pubDate>Mon, 11 Dec 2006 17:01:24 -0600</pubDate>
<description><![CDATA[For many first time home buyers, the FHA is a godsend. Why? It offers a number of programs that help people get into their first home when they otherwise might not be able to.]]></description>
</item>
<item>
<title>Getting Your Parents Help With Financing A Home</title>
<link>http://EzineArticles.com/377962</link>
<guid>http://EzineArticles.com/377962</guid>
<pubDate>Wed, 06 Dec 2006 14:51:53 -0600</pubDate>
<description><![CDATA[When buying your first home, there are a lot of hurdles to overcome. Financing is one of them. For many people, this means applying to the friendly bank of mom and dad. 
]]></description>
</item>
<item>
<title>Ask The Home Seller For Help With Your Financing</title>
<link>http://EzineArticles.com/377961</link>
<guid>http://EzineArticles.com/377961</guid>
<pubDate>Wed, 06 Dec 2006 14:39:53 -0600</pubDate>
<description><![CDATA[Finding enough cash to make a solid down payment on the home of your dreams is often a difficult task. With home prices at all time highs, coming up with 10 or 20 percent equates to a large amount of money. Well, the seller might just help you if you ask. 
]]></description>
</item>
<item>
<title>Self Employed Mortgage Issue - Lots of Assets, Little Income</title>
<link>http://EzineArticles.com/377966</link>
<guid>http://EzineArticles.com/377966</guid>
<pubDate>Wed, 06 Dec 2006 14:36:54 -0600</pubDate>
<description><![CDATA[The economy of the United States is undoubtedly and indisputably based on the small business. That being said, it is rather amazing that financing for self-employed people is such a problem. 
]]></description>
</item>
<item>
<title>Coming Up With Cash for Your Down Payment</title>
<link>http://EzineArticles.com/377960</link>
<guid>http://EzineArticles.com/377960</guid>
<pubDate>Wed, 06 Dec 2006 14:21:53 -0600</pubDate>
<description><![CDATA[There are many factors that go into obtaining the financing you need to buy a home. Coming up with the cash for your down payment is one that most people don't realize.
]]></description>
</item>
<item>
<title>Welcome To The World of B Paper Mortgage Financing</title>
<link>http://EzineArticles.com/377965</link>
<guid>http://EzineArticles.com/377965</guid>
<pubDate>Wed, 06 Dec 2006 14:19:54 -0600</pubDate>
<description><![CDATA[Throw out the idea of applying for a home loan. One of the first things that will pop into people's minds is their credit score. After all, you need a great credit score to get financing, right? Umm, not really. 
]]></description>
</item>
<item>
<title>Getting Approved for a Loan - Preparation is the Key</title>
<link>http://EzineArticles.com/361477</link>
<guid>http://EzineArticles.com/361477</guid>
<pubDate>Fri, 17 Nov 2006 08:53:01 -0600</pubDate>
<description><![CDATA[As with many tasks in life, preparation and hard work go a long way to securing success. If you intend to apply for financing for a home, preparation is definitely the key and it does not require much work.
]]></description>
</item>
<item>
<title>Mortgage Brokers Take The Hassle Out of Applying</title>
<link>http://EzineArticles.com/361473</link>
<guid>http://EzineArticles.com/361473</guid>
<pubDate>Fri, 17 Nov 2006 08:29:00 -0600</pubDate>
<description><![CDATA[One of the great aggravations of applying for a home loan is the red tape. Mortgage brokers are one solution for limiting your frustration. 
]]></description>
</item>
<item>
<title>Evaluating Your Loan in Light of Rising Rates</title>
<link>http://EzineArticles.com/354897</link>
<guid>http://EzineArticles.com/354897</guid>
<pubDate>Thu, 09 Nov 2006 18:28:41 -0600</pubDate>
<description><![CDATA[Homeowners have lived a life of luxury most of this decade given incredibly low interest rates. Well, things are changing and you need to be on top of the situation. 
]]></description>
</item>
<item>
<title>Dealing with Potential Default On Your Mortgage</title>
<link>http://EzineArticles.com/354896</link>
<guid>http://EzineArticles.com/354896</guid>
<pubDate>Thu, 09 Nov 2006 18:14:41 -0600</pubDate>
<description><![CDATA[The recent blazing hot real estate led to a lot of rush buying. As things cool off, a lot of people are starting to worry about meeting their monthly mortgage obligation. 
]]></description>
</item>
<item>
<title>A Quick Guide to Freddie Mac</title>
<link>http://EzineArticles.com/337388</link>
<guid>http://EzineArticles.com/337388</guid>
<pubDate>Wed, 25 Oct 2006 12:36:15 -0500</pubDate>
<description><![CDATA[Acronyms seem to be everywhere in the mortgage industry. Freddie Mac is one such acronym and an important one when trying to understand how the mortgage industry works. 
]]></description>
</item>
<item>
<title>Automated Underwriting of Your Mortgage</title>
<link>http://EzineArticles.com/337387</link>
<guid>http://EzineArticles.com/337387</guid>
<pubDate>Wed, 25 Oct 2006 12:15:15 -0500</pubDate>
<description><![CDATA[When most people apply for a mortgage, they imagine a cynical person going through their application looking for faults. If this sounds familiar, you might be surprised to learn about automated underwriting. 
]]></description>
</item>
<item>
<title>Finding and Borrowing From Wholesale Mortgage Lenders</title>
<link>http://EzineArticles.com/330981</link>
<guid>http://EzineArticles.com/330981</guid>
<pubDate>Tue, 17 Oct 2006 18:33:05 -0500</pubDate>
<description><![CDATA[At first glance, the mortgage finance market seems fairly simple. Banks lend money, so you just contact a bank for financing. If you take this approach, you miss out on wholesale mortgage lenders.
]]></description>
</item>
<item>
<title>Private Money For Your Mortgage Bind</title>
<link>http://EzineArticles.com/330979</link>
<guid>http://EzineArticles.com/330979</guid>
<pubDate>Tue, 17 Oct 2006 18:09:04 -0500</pubDate>
<description><![CDATA[When you get in a financial bind, traditional home loan lenders often will not touch you with a ten foot pole. In such a situation, it is time to look for other lending sources. 
]]></description>
</item>
<item>
<title>Underwriting and the World of Home Loans</title>
<link>http://EzineArticles.com/317287</link>
<guid>http://EzineArticles.com/317287</guid>
<pubDate>Tue, 03 Oct 2006 17:35:20 -0500</pubDate>
<description><![CDATA[In the world of home loans, nothing is more dour sounding than underwriting. Cutting to the chase, this is where you get approved or denied for your borrowing request. 
]]></description>
</item>
<item>
<title>To Conform or Not Conform With Mortgages</title>
<link>http://EzineArticles.com/317285</link>
<guid>http://EzineArticles.com/317285</guid>
<pubDate>Tue, 03 Oct 2006 17:19:19 -0500</pubDate>
<description><![CDATA[The decision to conform to some societal standard is often a contentious issue. With mortgages, it is purely an issue related to the amount you want to borrow. 
]]></description>
</item>
<item>
<title>Things to Consider When Choosing an Adjustable Mortgage</title>
<link>http://EzineArticles.com/297622</link>
<guid>http://EzineArticles.com/297622</guid>
<pubDate>Wed, 13 Sep 2006 11:29:19 -0500</pubDate>
<description><![CDATA[If you have looked into mortgage loans at all, you know the two primary choices are fixed and adjustable mortgages. Adjustable mortgages may seem a good choice, but there are a few things to consider. 
]]></description>
</item>
<item>
<title>Be Careful When Squeezing into a Mortgage</title>
<link>http://EzineArticles.com/297623</link>
<guid>http://EzineArticles.com/297623</guid>
<pubDate>Wed, 13 Sep 2006 11:10:20 -0500</pubDate>
<description><![CDATA[Buying a home is an emotional decision and most people try to get the best the possible can afford. That being said, one must be careful when squeezing into a mortgage. 
]]></description>
</item>
<item>
<title>What Is A Home Loan Broker</title>
<link>http://EzineArticles.com/276002</link>
<guid>http://EzineArticles.com/276002</guid>
<pubDate>Mon, 21 Aug 2006 15:24:09 -0500</pubDate>
<description><![CDATA[If you have shopped for a mortgage or are considering doing so, it can be difficult given the amount of advertising information floating around. This is where home loan brokers come in.  
]]></description>
</item>
<item>
<title>Choosing A Mortgage Broker</title>
<link>http://EzineArticles.com/276005</link>
<guid>http://EzineArticles.com/276005</guid>
<pubDate>Mon, 21 Aug 2006 15:19:13 -0500</pubDate>
<description><![CDATA[If you are going to apply for financing for a property, a mortgage broker is definitely the way to go. That being said, how do you choose a mortgage broker? 
]]></description>
</item>
<item>
<title>When Is A Great Mortgage Offer Not So Great?</title>
<link>http://EzineArticles.com/276001</link>
<guid>http://EzineArticles.com/276001</guid>
<pubDate>Mon, 21 Aug 2006 15:09:09 -0500</pubDate>
<description><![CDATA[When evaluating mortgages, the first things people look for are the best terms on rates, payment flexibility and points. This is logical, but not always wise. 
]]></description>
</item>
<item>
<title>Does Using A Mortgage Broker Cost You Money?</title>
<link>http://EzineArticles.com/276004</link>
<guid>http://EzineArticles.com/276004</guid>
<pubDate>Mon, 21 Aug 2006 15:03:13 -0500</pubDate>
<description><![CDATA[Most real estate investors use mortgage brokers to find and facilitate the best property loans. As an individual borrower, you should do the same, but what will it cost? 
]]></description>
</item>
<item>
<title>Factors Considered By A Lender When Evaluating Your Loan</title>
<link>http://EzineArticles.com/263685</link>
<guid>http://EzineArticles.com/263685</guid>
<pubDate>Tue, 08 Aug 2006 18:24:31 -0500</pubDate>
<description><![CDATA[The mortgage process can be a bit mystifying for borrowers when they undertake it for the first time. There are a lot of factors a lender considers, as shown here.

]]></description>
</item>
<item>
<title>How The Mortgage Process Can Go Bad</title>
<link>http://EzineArticles.com/263679</link>
<guid>http://EzineArticles.com/263679</guid>
<pubDate>Tue, 08 Aug 2006 16:39:49 -0500</pubDate>
<description><![CDATA[Buying a home should be one of the momentous events of your life. If you do not approach it in the right way, however, the mortgage process can foil your efforts.
]]></description>
</item>
<item>
<title>Understanding Loan to Value Calculations as Part of Your Mortgage</title>
<link>http://EzineArticles.com/263681</link>
<guid>http://EzineArticles.com/263681</guid>
<pubDate>Tue, 08 Aug 2006 16:38:50 -0500</pubDate>
<description><![CDATA[When most people think about mortgages, they focus on credit scores, points, term and interest rates. The loan to value ratio offered by your lender, however, should not be overlooked. 
]]></description>
</item>
<item>
<title>Home Loans and Government Websites</title>
<link>http://EzineArticles.com/246806</link>
<guid>http://EzineArticles.com/246806</guid>
<pubDate>Wed, 19 Jul 2006 19:23:32 -0500</pubDate>
<description><![CDATA[One of the keys to maintaining the middle class in America is homeownership. In fact, the government takes an active role in promoting ownership through incentives. 
]]></description>
</item>
<item>
<title>Loan Prequalification - A Potential Trap</title>
<link>http://EzineArticles.com/246813</link>
<guid>http://EzineArticles.com/246813</guid>
<pubDate>Wed, 19 Jul 2006 19:13:34 -0500</pubDate>
<description><![CDATA[As with much of the real estate industry, the mortgage industry uses terms that sound great, but really are not what they sound like. The loan prequalification is such a phrase. 
]]></description>
</item>
<item>
<title>Prepaying Your Mortgage - The Pros and Cons</title>
<link>http://EzineArticles.com/246811</link>
<guid>http://EzineArticles.com/246811</guid>
<pubDate>Wed, 19 Jul 2006 19:10:33 -0500</pubDate>
<description><![CDATA[If you have looked into wealth building strategies, you have undoubtedly stumbled upon the raging debate over prepaying one's mortgage. Here is the objective scoop. 

]]></description>
</item>
<item>
<title>First Time Buyers Program - Down Payment</title>
<link>http://EzineArticles.com/241863</link>
<guid>http://EzineArticles.com/241863</guid>
<pubDate>Wed, 12 Jul 2006 11:26:34 -0500</pubDate>
<description><![CDATA[Homeownership is one of the pillars of the American economy. To keep it propped up, there are many programs to help first time buyers make down payments.
]]></description>
</item>
<item>
<title>Down Payment Gifts</title>
<link>http://EzineArticles.com/241860</link>
<guid>http://EzineArticles.com/241860</guid>
<pubDate>Wed, 12 Jul 2006 11:09:34 -0500</pubDate>
<description><![CDATA[One of the biggest hurdles to getting into your first home is the down payment. Down payment gifts represent one way of dealing with this issue. 
]]></description>
</item>
<item>
<title>Housing Down Payment Assistance - HUD</title>
<link>http://EzineArticles.com/238105</link>
<guid>http://EzineArticles.com/238105</guid>
<pubDate>Thu, 06 Jul 2006 20:36:34 -0500</pubDate>
<description><![CDATA[As home prices continue to appreciate throughout the nation, down payments become harder to make. Housing down payment from HUD may be the answer. 
]]></description>
</item>
<item>
<title>American Dream Down Payment Initiative</title>
<link>http://EzineArticles.com/238106</link>
<guid>http://EzineArticles.com/238106</guid>
<pubDate>Thu, 06 Jul 2006 20:08:35 -0500</pubDate>
<description><![CDATA[It is no secret that one of the things that keep the middle class going in our country is home ownership.  One program is making the dream come true for more and more people. 
]]></description>
</item>
<item>
<title>Zero Down Payment Mortgage Loans</title>
<link>http://EzineArticles.com/234834</link>
<guid>http://EzineArticles.com/234834</guid>
<pubDate>Sat, 01 Jul 2006 12:36:35 -0500</pubDate>
<description><![CDATA[The days of most home owners putting ten percent down on a 30 year mortgage are long gone. One new option is zero down payment mortgage loans. 
]]></description>
</item>
<item>
<title>What Is A Down Payment For A House</title>
<link>http://EzineArticles.com/234836</link>
<guid>http://EzineArticles.com/234836</guid>
<pubDate>Sat, 01 Jul 2006 12:28:36 -0500</pubDate>
<description><![CDATA[Listen to advertisements for mortgages and you will hear everything under the sun regarding terms. So, what exactly is a down payment for a house?
]]></description>
</item>
<item>
<title>The Decision to Rent or Buy A Home</title>
<link>http://EzineArticles.com/225444</link>
<guid>http://EzineArticles.com/225444</guid>
<pubDate>Wed, 21 Jun 2006 13:52:00 -0500</pubDate>
<description><![CDATA[The pace of life can be so quick that we have a tendency to blow by important decisions. One such decision is the decision to rent or buy a home. 
]]></description>
</item>
<item>
<title>Figuring Out Whether To Go With A Fixed or Adjustable Mortgage</title>
<link>http://EzineArticles.com/225454</link>
<guid>http://EzineArticles.com/225454</guid>
<pubDate>Wed, 21 Jun 2006 13:51:02 -0500</pubDate>
<description><![CDATA[Traditionally, the 30 year fixed mortgage was the staple of the home loan industry. Now you have tons of choices with the fixed or adjustable mortgage being the biggest.
]]></description>
</item>
<item>
<title>When To Start Seeking A Mortgage For A New Purchase</title>
<link>http://EzineArticles.com/225448</link>
<guid>http://EzineArticles.com/225448</guid>
<pubDate>Wed, 21 Jun 2006 13:21:01 -0500</pubDate>
<description><![CDATA[You have made the decision to buy a home and start looking at properties. Before you get rolling, you should start trying to find the best mortgage option for your situation. 
]]></description>
</item>
<item>
<title>Will Your Bank Give You The Best Mortgage?</title>
<link>http://EzineArticles.com/225452</link>
<guid>http://EzineArticles.com/225452</guid>
<pubDate>Wed, 21 Jun 2006 13:06:02 -0500</pubDate>
<description><![CDATA[Many of us tend to form a relationship with our bank even in these times of big banks. This does not mean, however, you should look to your personal bank for a mortgage.
]]></description>
</item>
<item>
<title>Benefits to Homeownership Outweigh Risks</title>
<link>http://EzineArticles.com/225394</link>
<guid>http://EzineArticles.com/225394</guid>
<pubDate>Wed, 21 Jun 2006 12:33:58 -0500</pubDate>
<description><![CDATA[For people considering buying a home for the first time, things can be a bit intimidating. You just have to keep in mind the benefits far outweigh the risks. 
]]></description>
</item>
<item>
<title>The Down Payment and Mortgage Relationship</title>
<link>http://EzineArticles.com/219850</link>
<guid>http://EzineArticles.com/219850</guid>
<pubDate>Wed, 14 Jun 2006 13:54:16 -0500</pubDate>
<description><![CDATA[Most people automatically look for the lowest down payment option on mortgages. This knee jerk reaction is not always the best way to go.
]]></description>
</item>
<item>
<title>Mortgage Debt Has Advantages - Tax Advantages</title>
<link>http://EzineArticles.com/219858</link>
<guid>http://EzineArticles.com/219858</guid>
<pubDate>Wed, 14 Jun 2006 13:50:17 -0500</pubDate>
<description><![CDATA[The first time you buy a home, you may break into a cold sweat when you go to sign the loan documents and realize you are committing to paying back hundreds of thousands of dollars. 
]]></description>
</item>
<item>
<title>Getting a Mortgage for Your Dream Home</title>
<link>http://EzineArticles.com/219855</link>
<guid>http://EzineArticles.com/219855</guid>
<pubDate>Wed, 14 Jun 2006 13:34:17 -0500</pubDate>
<description><![CDATA[Owning a home is the American Dream. Of course, this requires you to first get a mortgage unless you have won the lottery or have a very wealthy uncle!
]]></description>
</item>
<item>
<title>Issues To Consider When Refinancing a Mortgage</title>
<link>http://EzineArticles.com/219853</link>
<guid>http://EzineArticles.com/219853</guid>
<pubDate>Wed, 14 Jun 2006 13:13:17 -0500</pubDate>
<description><![CDATA[People looking to have some extra money often look to refinancing their mortgages. Doing such a thing can lead to a lower interest rate and cash in your own pocket. However, there are some things to know prior to considering this.
]]></description>
</item>
<item>
<title>Second Homes and Mortgages</title>
<link>http://EzineArticles.com/219847</link>
<guid>http://EzineArticles.com/219847</guid>
<pubDate>Wed, 14 Jun 2006 12:14:41 -0500</pubDate>
<description><![CDATA[Some people looking to buy a second home for either their own leisure or to possibly resell in the future will look into mortgaging that home as well. Many wonder if this is even possible, can you pull out a new mortgage for another home? The answer is yes, you can. ]]></description>
</item>
<item>
<title>Home Loans - Factors Used To Determine Your Credit Score</title>
<link>http://EzineArticles.com/204821</link>
<guid>http://EzineArticles.com/204821</guid>
<pubDate>Wed, 24 May 2006 19:55:01 -0500</pubDate>
<description><![CDATA[Credit scores are a major issue when it comes to getting a home loan. Following is a discussion of how said credit scores are determined. 
]]></description>
</item>
<item>
<title>Locking In The Interest Rate On Your Mortgage</title>
<link>http://EzineArticles.com/204815</link>
<guid>http://EzineArticles.com/204815</guid>
<pubDate>Wed, 24 May 2006 18:55:57 -0500</pubDate>
<description><![CDATA[Many people purchasing homes are surprised to learn how quickly interest rates can change. This brings up the subject of locking in the interest rate on your loan. 
]]></description>
</item>
<item>
<title>Build Equity By Choosing The Right Mortgage</title>
<link>http://EzineArticles.com/204816</link>
<guid>http://EzineArticles.com/204816</guid>
<pubDate>Wed, 24 May 2006 18:36:58 -0500</pubDate>
<description><![CDATA[Homeownership is the key to building wealth for most people because it is an involuntary savings account. As you pay down your mortgage each month, the value of your interest in the home rises.
]]></description>
</item>
<item>
<title>Getting A Mortgage - From Beginning to End</title>
<link>http://EzineArticles.com/204818</link>
<guid>http://EzineArticles.com/204818</guid>
<pubDate>Wed, 24 May 2006 18:23:59 -0500</pubDate>
<description><![CDATA[Purchasing a home is incredibly exciting and stressful. Knowing as much as possible before you purchase is the key to reducing stress. 
]]></description>
</item>
<item>
<title>Advantages of VA Loans over Conventional Loans</title>
<link>http://EzineArticles.com/198357</link>
<guid>http://EzineArticles.com/198357</guid>
<pubDate>Mon, 15 May 2006 12:58:55 -0500</pubDate>
<description><![CDATA[Obtaining a home loan for the purchase of property can be stressful and a massive experiment in red tape. Military veterans can avoid much of this with VA loans. 
]]></description>
</item>
<item>
<title>Down Payment Scams - the IRS is Hunting</title>
<link>http://EzineArticles.com/198363</link>
<guid>http://EzineArticles.com/198363</guid>
<pubDate>Mon, 15 May 2006 12:56:57 -0500</pubDate>
<description><![CDATA[Coming up with the down payment for a home purchase can be a big hurdle. If you are straining to get the money together, be careful because the IRS is targeting down payment scams. 
]]></description>
</item>
<item>
<title>The Basics of VA Loans</title>
<link>http://EzineArticles.com/198355</link>
<guid>http://EzineArticles.com/198355</guid>
<pubDate>Mon, 15 May 2006 12:44:55 -0500</pubDate>
<description><![CDATA[While the G.I. Bill educated millions of military veterans, VA loans give them a step up on homeownership. Here are the basics of VA loans.
]]></description>
</item>
<item>
<title>Home Equity Lines of Credit - Be Careful</title>
<link>http://EzineArticles.com/198360</link>
<guid>http://EzineArticles.com/198360</guid>
<pubDate>Mon, 15 May 2006 12:33:56 -0500</pubDate>
<description><![CDATA[Appreciation rates for real estate have been phenomenal in many parts of the country for the last five years. This creation of massive amounts of equity has lead to interest in home equity loans.
]]></description>
</item>
<item>
<title>Tips for Saving Money on Your Home Loan</title>
<link>http://EzineArticles.com/198358</link>
<guid>http://EzineArticles.com/198358</guid>
<pubDate>Mon, 15 May 2006 12:18:56 -0500</pubDate>
<description><![CDATA[The application process for a home loan can be complex and hectic. When borrowers get caught up in the moment, they often forget to angle for better deals. 
]]></description>
</item>
<item>
<title>Understanding Prepayment Penalties on Home Loans</title>
<link>http://EzineArticles.com/185983</link>
<guid>http://EzineArticles.com/185983</guid>
<pubDate>Thu, 27 Apr 2006 10:49:45 -0500</pubDate>
<description><![CDATA[Mortgage lenders prefer certainty to chaos. Some lenders take this concept to its logical conclusion in mortgages by inserting prepayment penalty clauses. 
]]></description>
</item>
<item>
<title>Reasons to Refinance Your Home</title>
<link>http://EzineArticles.com/185979</link>
<guid>http://EzineArticles.com/185979</guid>
<pubDate>Thu, 27 Apr 2006 10:30:44 -0500</pubDate>
<description><![CDATA[Many people will take whatever mortgage they can get when trying to purchase a home. Sooner or later, you will start wondering if you can get a better deal. Welcome to the world of refinance. 
]]></description>
</item>
<item>
<title>Using Points To Cut Your Interest Rate</title>
<link>http://EzineArticles.com/185981</link>
<guid>http://EzineArticles.com/185981</guid>
<pubDate>Thu, 27 Apr 2006 10:20:45 -0500</pubDate>
<description><![CDATA[The general mantra in the real estate world is you want to avoid paying points when obtaining a mortgage. As with most assumptions, this is not always true. 
]]></description>
</item>
<item>
<title>30 Year vs. 15 Year Mortgages</title>
<link>http://EzineArticles.com/185977</link>
<guid>http://EzineArticles.com/185977</guid>
<pubDate>Thu, 27 Apr 2006 10:16:44 -0500</pubDate>
<description><![CDATA[Discussions of mortgages often focus on interest rates, but there is a much more basic decision to make. Should you go with a 30 year mortgage term or a 15 year mortgage term?
]]></description>
</item>
<item>
<title>Reverse Mortgages and Government Benefits</title>
<link>http://EzineArticles.com/185984</link>
<guid>http://EzineArticles.com/185984</guid>
<pubDate>Thu, 27 Apr 2006 10:04:46 -0500</pubDate>
<description><![CDATA[Reverse mortgages are increasing in popularity as a way to turn home equity into a liquid asset. Before you jump on a reverse mortgage, you need to understand the impact it can have on government benefits.
]]></description>
</item>
<item>
<title>Budget for Closing Costs - Prepaid Loan Interest and Home Insurance Premiums</title>
<link>http://EzineArticles.com/178961</link>
<guid>http://EzineArticles.com/178961</guid>
<pubDate>Sat, 15 Apr 2006 11:54:10 -0500</pubDate>
<description><![CDATA[Entering into escrow on a home can be both exciting and stressful. The excitement comes from knowing you are close to moving into the new home. The stress comes from issues that will arise. 
]]></description>
</item>
<item>
<title>Budget for Closing Costs - Home Inspection and Title Fees</title>
<link>http://EzineArticles.com/178960</link>
<guid>http://EzineArticles.com/178960</guid>
<pubDate>Sat, 15 Apr 2006 11:46:09 -0500</pubDate>
<description><![CDATA[Purchasing a home is a euphoric event. Once escrow begins, the euphoria can change to frustration, particularly if you are not ready for the closing costs that quickly accumulate. 
]]></description>
</item>
<item>
<title>Budget for Closing Costs - Property Taxes, Legal Fees and Such</title>
<link>http://EzineArticles.com/178963</link>
<guid>http://EzineArticles.com/178963</guid>
<pubDate>Sat, 15 Apr 2006 11:27:12 -0500</pubDate>
<description><![CDATA[You probably spent a good bit of time getting disciplined to save money for your home purchase. You need to carry this financial discipline through the escrow period or you could run into problems. 
]]></description>
</item>
<item>
<title>Adjustable Rate Mortgages - Talking About Interest Rate Caps</title>
<link>http://EzineArticles.com/178965</link>
<guid>http://EzineArticles.com/178965</guid>
<pubDate>Sat, 15 Apr 2006 11:01:13 -0500</pubDate>
<description><![CDATA[Many people have jumped on adjustable rate mortgages to take advantage of the historically low interest rates we have seen over the last few years. Rates are now rising, which means you need to understand caps.
]]></description>
</item>
<item>
<title>Budget for Closing Costs - Loan Origination Fees and PMI</title>
<link>http://EzineArticles.com/178956</link>
<guid>http://EzineArticles.com/178956</guid>
<pubDate>Sat, 15 Apr 2006 11:00:09 -0500</pubDate>
<description><![CDATA[Once you reach an agreement on the purchase of a home, things start moving quickly. In the chaos, it is important to remember to budget for closing costs. 
]]></description>
</item>
<item>
<title>Repaying Your Mortgage Home Loans - The Basics</title>
<link>http://EzineArticles.com/168398</link>
<guid>http://EzineArticles.com/168398</guid>
<pubDate>Tue, 28 Mar 2006 08:42:43 -0600</pubDate>
<description><![CDATA[With the raging hot real estate market of the last five years, mortgages have evolved wide spread options. The different home loans can be confusing, so lets look at the basic repayment options. 
]]></description>
</item>
<item>
<title>Home Loans and Negative Amortization</title>
<link>http://EzineArticles.com/168397</link>
<guid>http://EzineArticles.com/168397</guid>
<pubDate>Tue, 28 Mar 2006 08:25:43 -0600</pubDate>
<description><![CDATA[Owning a home is undoubtedly the American Dream and the bedrock of middle class. Negative amortization, however, can turn the dream into a nightmare if you are not careful. 
]]></description>
</item>
<item>
<title>An Overview of the Mortgage Process</title>
<link>http://EzineArticles.com/168400</link>
<guid>http://EzineArticles.com/168400</guid>
<pubDate>Tue, 28 Mar 2006 08:17:44 -0600</pubDate>
<description><![CDATA[House hunting can be an exhilarating process as you try to pick that perfect property. Applying for a mortgage isn't nearly as much fun. Following is an overview of how the mortgage industry works. 
]]></description>
</item>
<item>
<title>Mortgage Factors: Loan to Value</title>
<link>http://EzineArticles.com/168395</link>
<guid>http://EzineArticles.com/168395</guid>
<pubDate>Tue, 28 Mar 2006 08:06:43 -0600</pubDate>
<description><![CDATA[When applying for a home loan, there are a number of factors you have to take into account. Loan to value is one of the key issues that will determine whether you get that loan.
]]></description>
</item>
<item>
<title>Commercial Real Estate - Hard, Hard, Hard Money Loans</title>
<link>http://EzineArticles.com/168399</link>
<guid>http://EzineArticles.com/168399</guid>
<pubDate>Tue, 28 Mar 2006 08:00:44 -0600</pubDate>
<description><![CDATA[Financing for commercial real estate is a completely different game when compared to residential mortgage loans. It moves much faster and is much more flexible. 
]]></description>
</item>
</channel>
</rss>
