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Consumer Mortgage News
2018 Archives

ARMs Making Comeback as Mortgage Rates Rise
As the Federal Reserve embarked last year on what economists have predicted will be an ongoing program of interest rate hikes, Connecticut banks have since increased mortgages with adjustable rates -- a major contributor to the Great Recession of 2009 when homeowners borrowed at lower, initial rates, then could not keep up with ballooning payments as interest escalated on a contractual schedule.

Many Caveats for Reverse Mortgages
Tom Selleck never explains the fine print.

Understanding How Mortgage Interest Rates Work
Question: What do home mortgage loans (including second mortgage loans), retail installment loans, automobile loans, home improvement loans, and mobile home loans, have in common -- aside from being loans to consumers?

Early Mortgage Payoff Benefits Depend on Variables
Question: I will soon make our final mortgage payment. My wife will retire in two years and I will work to age 67. We are both 60 today. Because I don't get a pension I really have been looking forward to this final payment.

Mortgage Borrowers Should Know Their Rates
Not knowing your mortgage rate can be an expensive mistake, especially in this rising interest rate market.

Overcoming Loan Rejections
You were all set to buy that new car or house. You may have even picked out the cherry-red convertible or the Cape Cod with the spacious yard -- until your bank stopped you in your tracks.

When And How to Payoff Mortgage Early
With the average 30-year fixed mortgage rates now climbing over 4.7 percent, it's no surprise that many homeowners are looking for ways to pay their mortgage off early -- and save themselves thousands of dollars in the process.

Understanding Jumbo Mortgages
Home prices have shot up in some areas of the United States to the point where buyers need jumbo loans to finance them.

Don't Use 401(k) To Payoff Mortgage
A reader asks: "My current 401(k) balance is about the same as my mortgage balance. I am 45. Would it make sense to pay off the mortgage with the 401(k)?"

Some People Should Never Be Homeowners
The homeownership rate has been increasing recently following more than 10 years of decline.

Options to Finance Home Renovations
Many people don't realize that there are renovation loans that can help pay for your housing upgrades.

Using Mortgage Refinance to Cut Short-Term Debt
While rising interest rates have sharply reduced the number of mortgage borrowers who can refinance into a lower rate, rising home prices create opportunities for some borrowers to refinance into mortgages that are less costly in other respects.

Editorial: Bad Director Nominee for CFPB (aka BCFP)
President Donald Trump has picked a nominee for director of the Consumer Financial Protection Bureau and, true to form, he's made a bad choice.

What Millennials Can Expect in Home Buying Process
Texas transplants Ashlea and Nick Garrison attended a Twin Cities, Minnesota, homebuying class on a Saturday in early May.

Refinancing a Piggyback Can Be Profitable
While rising interest rates have sharply reduced the number of mortgage borrowers who can refinance into a lower rate, rising home prices create opportunities for some borrowers to refinance into mortgages that are less costly in other respects.

Mortgage Points Or Additional Down Payment?
Mortgage borrowers with enough money to make a down payment larger than the minimum must decide whether to increase the down payment or pay points.

New Law Makes It Easier to Get Mortgage
It should be easier for you to get a mortgage now that President Donald Trump has signed S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act -- legislation that will lift lending restrictions on community banks.

Understanding Interest Rates on Mortgages
Why have mortgage interest rates been creeping up over the last few months?

Mortgage Rate Overages Eliminated Post Crisis
Did the new regulations issued in the wake of the financial crisis make mortgage loan officers more trustworthy?

FHA Loans Can Improve Ability to Sell Home
Assuming the same interest rate, is there any way in which a homeowner is better off having an FHA rather than a conventional mortgage?

Choosing How to Get Your Mortgage
When it comes to purchasing a home, buyers have to put a lot of research and thought into any decision they make. From finding the best fit with a real estate agent, to how much work they are willing to do on move-in day, setting a budget and of course, picking the house itself.

How to Shop for Mortgage
Q: How many price quotes should I get in refinancing my mortgage?

How to Pick Great Real Estate Agent
Real estate agents promote themselves with yard signs, online ads, direct-mail postcards and even sponsored public benches. So, cutting through the advertising hype and finding the right agent can be tough.

How to Choose Best Mortgage Options
Most house purchasers look at many houses before they make a decision, weighing multiple features of one against the other.

How to Get Lowest Mortgage Rates
Securing a home loan is probably one of the most stressful parts of buying a new home. To get the best loan possible, it's important to know what factors affect interest rates -- a fraction of an interest rate can translate into thousands of dollars less or more over the life of a loan.

Fed's Rate Bump Impacts Mortgages, Consumer Debt
Americans are taking on more debt, and they're soon going to be paying more for it.

Understanding How Mortgage Rate Locks Work
A rate lock is a commitment by a mortgage lender to lend a stated amount to a specified borrower posting a specified property as collateral, at a stipulated interest rate and points.

Avoid Reverse Mortgages
Recently the Trump administration proposed changes to the Department of Housing and Urban Development's reverse mortgage program: raising premiums, tightening loan limits and making foreclosure easier.

Should I Convert or Refinance My Reverse Mortgage?
Jane took out a home-equity conversion mortgage on her house five years ago when she became 62. An HECM is a reverse mortgage.

Ultra Low Mortgage Rates Disappearing
Mortgage rates hit a four-year high late last week, and it's looking like the years of ultra-low-cost home loans are coming to an end, experts said.

Costs to Consider When Buying a House
Your day burns brightly on both ends.

PACE Loans Borrowers Often Uninformed
It sounds almost too good to be true: Major high-dollar home repairs, such as new hurricane-resistant impact windows, roof replacement, solar energy systems, hot water heaters, air conditioning systems and more, financed with no money down and no credit check.

Home Buyer Averts Title Company Scam
We've heard of scams that often cost victims hundreds or thousands of dollars, which is bad enough.

Wall Street Volatility Impacts US Housing Market
Worries about higher interest rates have sent Wall Street into a tailspin during recent days.

How To Buy New House Before Selling Old One
A homeowner who wants to exchange the house in which she lives for another one that better meets her current needs and capacities can save herself much grief and expense by buying the new house before selling the old one.

Using Reverse Mortgage as Retirement Income Stream
In the first quarter of 2017, U.S. seniors had an estimated $6.3 trillion locked up in home equity.

Understanding a Reverse Mortgage
A reverse mortgage is a type of home-equity loan that's reserved for older homeowners and does not require monthly mortgage payments. Instead, the loan is repaid after the borrower moves out or dies.

Best Reverse Mortgage Option for Limited Period
"I am interested in your opinion of the following plan: Take a HECM reverse mortgage on my home, which is worth $1,000,000 and will appreciate by 3.5 percent a year. I would draw on the HECM for cash to invest or monthly income, then sell the house after 12 years, repaying the HECM from the house appreciation."

Evaluating Options for Accessing Home Equity
Borrowing against the equity in your home can often be a good way to get access to cash quickly. You have several loan options -- such as a cashout refinances, home-equity loans or home-equity lines of credit -- but you need to have a good reason for tapping the equity in your home before deciding on one.

Consumer Mortgage News Archives

Refinance News
News about refinance programs, pricing and production.
H A R P 2.0 News
News stories about the H o m e Affordable Refinance Program including expanded program guidelines.

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