Home Loans - Mortgage Loan Information and Refinance Advice
How to get the lowest loan rates
Home Loans
Articles on home loans, mortgage advice, and refinance strategies. How to get
the best mortgage loan at the lowest rates. Great information for big savings on
all types of loans, second mortgages, home equity loans, and mortgage
refinance. Home Loans Help provides information and advice you can trust.
Home Equity
Leverage your home equity. Discover how an equity loan is structured. Find out where to get the lowest rates
online.
Strategies for 100% financing with no PMI - Learn how to combine an 80% mortgage
with a home equity loan to save hundreds of dollars each month.
Equity Line of
Credit
Home equity line of credit tips and techniques. How to get a better rate on your
home equity line using an online home equity loan rate quote. Fastest ways to
get cash out and best ways to save.
Home Improvement
Home improvement financing for any purpose - Repairs, additions, garages, new
bathrooms, kitchen remodeling, and more. Tips on getting a home improvement rate
quote online - Use it for leverage for a better rate from your local lender.
Best sources for the lowest rates for your improvement loan.
Mortgage Loans
Mortgage loans are your biggest financial outlay - Great articles and advice on
how to get the lowest rate on your mortgage loan. Apply online for a mortgage
rate quote. Compare payments for every type of financing -
Adjustable, fixed rate, interest only, 100% financing, zero down, refinancing,
and more.
Your Personal Financing Strategy
Chances are you can save on payments and pay off debt faster. We can help you
find ways to lower your overall cost of borrowing by managing your debt the same
way you manage your investments:
- Strategy Tip # 1
Review your debt portfolio regularly to look for ways to save on your existing
debt.
- Strategy Tip # 2
When you’re borrowing more money you should compare all your available
options. We can help you find the loan and rate that will let you borrow the
money you need at the lowest cost.
- Strategy Tip # 3
The best rates are only available to those with the best credit history.
Protect and improve your credit.
Rates
Compare rates on every type of mortgage - ARM, fixed, interest only,
100% financing, reverse, refinance, second, zero down and more. Check current mortgage
rates online.
Bad Credit
Bad credit loans can be obtained easily and confidentially online. Discover
tips for getting the best rate even with bad credit or a past
bankruptcy. Sources for free credit report with free credit score. Check your credit report for errors that keep you from getting
your best deal.
Check your credit
Credit reports and scores let you know of any issues you need to address today.
Credit monitoring alerts you to changes in how lenders will respond to your
application.
Credit doesn't necessarily have to be “perfect” to be good
In the case of a single bad mark on an otherwise good credit history, many
lenders will simply ask for a written explanation of the late payment.
If the explanation is reasonable and believable, lenders will often overlook the
isolated problem—especially if it occurred some time ago and your credit has
been good since.
Indeed, as far as lenders are concerned, the most important time period in your
credit history is just the preceding year or two.
According to guidelines established by the Federal National Mortgage Association
(Fannie Mae), indicators of good credit do include some leeway for occasional
late payments. Thus lenders will look at:
- Revolving credit (e.g., credit cards), which should show no
payments 60 days or more late and no more than two payments 30 days late;
- Installment credit (e.g., auto financing), which should show no
payments 60 days or more late and no more than one payment 30 days late;
- Housing payments (e.g., mortgage or rent), which should—not
surprisingly—show no late payments (this can be proven by the payment history
from your lender or by the borrower’s canceled checks for the past 12 months).
The information provided by your credit report can be invaluable in
understanding your credit rating as mortgage lenders see it, enabling you to
dispute inaccuracies and know best how to present your correct credit history
and circumstances in order to get the mortgage you seek.
Refinance
Refinance your house and save at today's low rates. Refinancing tips that will
save you money on any type of scenario - existing homes,
vacation house, renovating older homes, remodeling, etc. Learn how to get your best rate
quote online and use it for leverage with other companies or local lenders.
Second Mortgages
Get secondary financing on your house or property - Leverage existing equity
with a second mortgage instead of a new home loan. Get tips on when to use them.
Interest Only
Interest only mortgages are incredibly popular for bridge loans, construction
finance, and jumbos. Learn the no PMI strategy that saves you hundreds of
dollars a month.
Financing
Financing sources - Lists of companies, lenders, brokers, and more.
Explore various financing scenarios online - See how payment levels
change with different kinds of mortgages. Discover tips and financing
techniques like no money down or 100% financing.
Reverse Mortgage
Reverse mortgages explained - How it works like an equity line of credit. Find the best
deals online and compare rates, terms,
and payouts.
Brokers
Find the right broker to assist you with obtaining your financing, arranging an
appraisal, setting up your closing, and buying your dream house.
Companies
Find companies that write loans in your area - Online listing of
companies, rates, and loan offerings. Learn which companies allow you to apply
online. Find companies that handle no doc situations, no money down
purchases, offer 100% financing, and more.
Lenders
Discover which lenders offer the best rates and the widest variety of
possible terms. Find specialists for unusual types of loans such as mobile homes,
modular housing, log cabins, vacation homes, rental property, investment
properties, reverse mortgages, 125% loan-to-value, and more.
Insurance
Private mortgage insurance details and strategies to avoid paying PMI. List of sources. Discover how private mortgage insurance works and
how you can structure your borrowing to avoid paying PMI completely.
Advice
Advice on all types of credit and finance matters. Information and advice to lower your
effective APR, pay off early, decrease your monthly payment, and save you money in dozens of
ways.
Calculator
Calculator choices - Interest only, 100% financing, no PMI, lower
payment, ARM vs Fixed Rate, lower interest rate, balloon payment, reverse
mortgage, principal and interest only, no down payment, refinance rates, 15 year
fixed, 30 year fixed, 3 Year ARM, 5 year ARM, 7 year ARM, adjustable, and more.
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