The big difference between an adjustable and fixed rate mortgage loan is, that the market interest rates move the price of the adjustable rate mortgage loan, but the fixed rate loan has the same monthly payment through the whole running time.1. The Fully Amortizing ARM.This is the most popular adjustable mortgage loan. The plan is, that the monthly payments will pay off the whole debt by the end of the running time, which is typically 30 years....more
It is no secret that mortgage interest rates are at historically low levels, leading many homeowners to consider refinancing their mortgage. But it is important to remember that refinancing is not a contest to get the lowest rate. You need to decide if a refinance works fits your personal financial circumstances. Before deciding to refinance, find out the answers to the following four questions.1. Is the equity in your home declining? The...more
It is no secret that mortgage interest rates are at historically low levels, leading many homeowners to consider refinancing their mortgage. But it is important to remember that refinancing is not a contest to get the lowest rate. You need to decide if a refinance works fits your personal financial circumstances. Before deciding to refinance, find out the answers to the following four questions.1. Is the equity in your home declining? The foreclosure crisis has flooded the market with unsold and has driven home values down in almost all areas of the country. It is quite possible that even though you want to refinance, a lack of home equity may prevent you from doing so. Before paying several hundred dollars for an appraisal, ask the real estate agent who sold you the house what they it is worth in today's market. Then your mortgage lender can help you decide whether or not it even makes sense to apply for the refinance.2. How much are the closing costs? When you consider the cost of the appraisal, the new title insurance, and fees to your lender, the cost of your new mortgage may exceed any savings you can expect from the lower interest rate. To determine how many months you would...more
While many offshore financial centers have a bad reputation because they are often associated with crime and terrorism, there are many perfectly legit and beneficial reasons to use an offshore bank. Offshore banks usually are able to offer higher interest rates on deposits and are viewed as being safe places to hold your money. Low governmental...more
When most of us here the phrase offshore bank account the first thing we think about is drug dealers, mobsters and terrorists somehow masterminding a way to make their dirty money look clean to the US authorities. At least that is how it is done in the movies, right? In reality, there are many completely legit reasons why one would use an offshore...more
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The truth is that a loan modification specialist or attorney may not be needed for anyone who wants to work with a loan modification. A loan modification can be taken care of on one's own provided that a series of steps are used to make...more
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If you do want to lead a comfortable life, then it is important that you must have a certain amount of financial security. But, with high inflation being the order of the day and a diminishing monthly income, you are bound to face...more
There are several things to consider before making a decision. To save money, you must stay in your house longer than the "break-even period" to see any advantages of the refinance. When the lower interest rate has covered the cost to refinance, the...more