BLUE ONE Realty Feed Editor 5 Mar 2008 15:00:00 -0200 Florida Real Estate Articles - Mortgage Articles and Mortgage Calculator: Different types of mortgages, Mortgage Rate, Mortgage Programs Mortgage Articles: Mortgage Rates and Mortgage Calculator Articles: Different types of mortgages, Mortgage Rate, Mortgage Programs, Mortgages and Debt-to-income ratios http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage.html Copyright 1993-2007 by BLUE ONE Realty. All rights reserved. Mortgage http://blogs.law.harvard.edu/tech/rss en-us http://www.blueonerealty.com/img/logo.jpg http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage.html Florida Real Estate Articles - Mortgage Articles and Mortgage Calculator: Different types of mortgages, Mortgage Rate, Mortgage Programs Mortgage Articles - The smart way to set up loans between relatives & friends Vice-president of marketing and sales for Circle Lending Jim Smith states that the most requested mortgage loans are by far for Real Estate purposes. Buying a home is the goal everyone wishes to reach at and, with the help of relatives and friends, it shouldn't be a problem to become a homeowner. Why? Because Real Estate prices in particular for first-time homebuyers are so high. So this is the way of buying a house when you might not, otherwise, be able to or buying more house than you qualify for. Thu, 26 Feb 2009 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgagesetuploans.html Mortgage BUY A HOME NOW http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgagesetuploans.html Mortgage Articles - Different types of mortgages in United Estates, Fixed Mortgage Rate Mortgage Rates in United States: Fixed Mortgage Rate and the Adjustable Mortgage Rate. Assumed Mortgage, Blanket loan, commercial loan, equity loan, jumbo loan, and more Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/types_mortgages.html Mortgage Different types of mortgages http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/types_mortgages.html Mortgage Articles - Mortgages and Debt-to-income ratios - Mortgage Down Payment - Mortgage loan To find out your maximum mortgage amount, lenders use a guide principle called debt-to-income ratios. There are two types of calculations, there is a "front ratio" and a "back ratio" . The front ratio is the percentage of your monthly gross income. The back ratio includes your monthly consumer debt... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgages_rates.html Mortgage Mortgages and Debt-to-income ratios http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgages_rates.html Mortgage Articles - How much do you have for the down payment? Mortgage Down payment and closing costs, issues that are involved into the home buying process. If you know exactly how much money you have for the down payment and closing costs, the other issues that are involved into the home buying process will go smoothly and faster. This includes the way you would write the buying offer and mortgage programs for which you would qualify... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_downpayment.html Mortgage Mortgage Down payment http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_downpayment.html Mortgage Articles - Mortgage - Applying for a mortgage - Mortgage Down Payment Mortgage Rates - Applying for a mortgage - Documenting your possessions to confirm your down payment. If you can document that the money you have for the down payment comes from your personal savings account, the lender will be in no doubt of your financial stability as a borrower by simply checking into your savings history... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/confirm_downpayment.html Mortgage Applying for a mortgage http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/confirm_downpayment.html Mortgage Articles - Mortgage - Buy a home in Florida The quickest way to check on your money to buy a home is by getting everything documented in your account and giving copies of your most recent bank statements to your lender. If the money you have designated to make the down payment and pay the closing costs was in the bank for a long period of time and is covered by the bank statements, you will not have any problems. These are known as seasoned funds... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/buyahome_floridastate.html Mortgage Mortgage - Buy a home in Florida State http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/buyahome_floridastate.html Mortgage Articles - Mortgage-Verifying Your Down Payment-The gift letter to buy a home If you are a first time homebuyer, your upcoming down payment to buy a home needs to be verified. Receiving money from a family member as a gift means that your lender will require a gift letter and for which he must provide a form to fill. The gift letter must be clear enough about these funds by stating that the money comes from a gift and that is not required to pay it back. The gift letter to buy a home is a requirement... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/downpayment.html Mortgage Mortgage-Verifying Your Down Payment http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/downpayment.html Mortgage Articles - Documenting your possessions-Verifying your down payment When applying for a mortgage to buy a home, you will be asked to declare all of your possessions in order to verify your down payment. If you are a first-time homebuyer and have to sell personal assets to make the down payment of the property you want to buy, the verification process can be harder. Lenders become more stricter and detailed about ensuring your funds' foundation... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/verifydownpayment.html Mortgage Documenting your possessions-Verifying your down payment http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/verifydownpayment.html Mortgage Articles - Mortgage Loans - where that money comes from? The money for mortgage loans comes from three major institutions: Fannie Mae ( FNMA-Federal National Mortgage Association ), Freddie Mac ( FHLMC-Federal Home Loan Mortgage Corporation ), Ginnie Mae ( GNMA-Government National Mortgage Association )... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgageloan.html Mortgage Mortgage Loans: where that money comes from? http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgageloan.html Mortgage Articles - Different Types of Mortgage Lenders The pass of time and especially the growing of the Real Estate market have served to combine, in some way, most of the terms to define mortgage lenders as well as to highlight some differences among them. Then, we have Mortgage Brokers. They are business companies that make loans with the purpose of brokering them to wholesale lending organizations or institutions. A broker must establish some kind of relationships with these companies. Mortgage brokers usually make transactions with lending institutions that have a wholesale loan division... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgagelenders.html Mortgage Different Types of Mortgage Lenders http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgagelenders.html Mortgage Articles - Mortgage Lenders: Portfolio Lenders If an institution or foundation are giving somebody the loan of a certain amount of money and creating more loans by itself, they are called portfolio lenders. These institutions, organizations or foundations are frequently banks, savings & loans. A piece of their loan programs are portfolio results. Fixed rate loans or government loans are definitely engaging in mortgage banking and portfolio lending. If you made payments on a portfolio loan for over a year or two without any delaying, the loan will be considered as seasoned and becomes marketable... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_portfoliolenders.html Mortgage Mortgage Lenders: Portfolio Lenders http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_portfoliolenders.html Mortgage Articles - Mortgage rates are still falling According to relevant sources, the standard 30-year fixed-rate mortgage knock down 4 basis points to 6.45 percent. A basis indication for it is usually a proportion of 1 percentage point. The standard 15-year fixed-rate mortgage knock down 6 basis points to 6.14 percent. Mortgage rates are still falling and in most cases it is believed that it might be causing the rising of a slow economy... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_ratesfalling.html Mortgage Mortgage rates are still falling http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_ratesfalling.html Mortgage Articles - Things you need when applying for a mortgage loan When applying for a mortgage loan you will be asked to present documentation commonly called "alternate documentation". It means that a number of answers can be obtained from the borrower instead of having to wait for the answers coming from the mail... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_loan.html Mortgage Applying for a mortgage loan http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_loan.html Mortgage Articles - Shopping for a mortgage to buy a home Before shopping for a mortgage, you must examine your finances carefully so you can determine which mortgage is better for you to purchase a home. You can qualify for a loan and your lender might offer you more than what you really can afford. You have the final decision in stocking your personal income with expenses included and that you will feel secure to handle both every month... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgagebuyhome.html Mortgage Shopping for a mortgage to buy a home http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgagebuyhome.html Mortgage Articles - Getting your credit report done the right way When buying a home as well a when applying for a mortgage loan, you need to get your credit report done the right way since it is going to be requested by the mortgage lender. It is commonly seen that every item on your credit report may have something wrong, even if only insignificant... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/creditreport.html Mortgage Getting your credit report http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/creditreport.html Mortgage Articles - Want to buy a home in Miami Florida? How about getting an intra-family mortgage? An intra-family mortgage is a private loan you can get from a family member like your parents, brothers, sisters, or any other person within the family that is credible by Real Estate to buy a home or to help you refinance an existing bank mortgage. Lender and borrower must choose a rate by taking into account that it is a transfer of private money for a mortgage loan not a family gift. Intra-family loans work different since you can handle how fast you will pay the two amounts by opting for an amortized payment, graduated or seasonal payments... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/home_miamiflorida.html Mortgage Want to buy a home in Miami Florida? http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/home_miamiflorida.html Mortgage Articles - Advice on Mortgage Fraud The most common scams have been perpetrated by home appraisers who over-inflate a property value in order to ensure a larger loan amount. The buyer, ( a fake buyer ) uses a false identity along with credit history to get a fraudulent mortgage loan. If you are determined to sell a home, ask your Real Estate Agent if he/she is a Realtor and make sure that he/she is a member of the National Association of Realtors... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_fraud.html Mortgage Want to buy a home in Miami Florida? http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_fraud.html Mortgage Articles - When buying a home: What type of lender is best for you? When buying a home, your prime concern should be focused in hiring a professional Real Estate Agent. Why? Just because professional Agents guide you throughout the entire home buying process and, they can recommend the best lender for your financial situation. Realtors usually know all type of lenders and have the ability to suggest the best lender for you. Real Estate Agents mostly suggest a loan officer, not the institution... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/besttypeoflender.html Mortgage What type of lender is best for you? http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/besttypeoflender.html Mortgage Articles - Getting familiarized with a mortgage calculator It is known that everyone who dreams about buying a home will need a mortgage loan to make the dream become a reality sooner or later. There are many choices for you to get a loan to buy the home of your dreams in South Florida. Getting familiarized with a mortgage calculator is a very important step to take into account when buying a home. There are affordability calculators, loan calculators, rent versus buy calculators and refinance calculators... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgagecalculator.html Mortgage Getting familiarized with a mortgage calculator http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgagecalculator.html Mortgage Articles - What type of Mortgage Loan is better for you? There are different types of mortgages for you to choose. It all depends on your home buying needs, credit report, employment history and assets. First off, see how much you can borrow by using BLUE ONE Realty mortgage calculator. Pre-qualifications and pre-approvals are crucial steps to follow up in any type of mortgage loans whether they are for a home buying or refinancing... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_better_mortgage.html Mortgage What type of Mortgage Loan is better for you? http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/mortgage_better_mortgage.html Mortgage Articles - What is a mortgage loan? Mortgage loan is... Well, a mortgage loan is described as a certain amount of money that you will borrow from a lender to buy the home of your dreams in South Florida. The home you want to buy will work as the mortgage key to secure the loan, it means the money that was given to you. If you don't pay the loan back, the lender will foreclosure on your property. Before making any financial decision, first thing you need to do is to hire a Real Estate Agent... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/whatis_mortgageloan.html Mortgage What is a mortgage loan? http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/whatis_mortgageloan.html Mortgage Articles - Qualifying for a Mortgage - Apply for a mortgage loan If you are determined to buy a home in South Florida, you need to get your paperwork in order. Qualifying for a mortgage is a must and you need to get it understood before applying for a mortgage loan. The assistance of Real Estate Agent is a must. It is traditionally stated that a down payment is 20 percentage of the value of the home you want to buy... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/qualifying_mortgage.html Mortgage Qualifying for a Mortgage http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/qualifying_mortgage.html Mortgage Articles - Choose the right mortgage to buy a home in South Florida Before buying a home, you need to ask yourself a few basic questions so you can choose the right mortgage loan to buy a home. If you are determined to buy a home in South Florida and stay there for a long time, there wouldn't be a problem to pay off the mortgage over its lifetime. In this case you should apply for a fixed rate loan. Payments are always the same, except for taxes and insurance that from time to time use to change. Although the interest may be a little higher than with an adjustable rate mortgage, you will always know by certain what your monthly payments will be... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/choose_right_mortgage.html Mortgage Choose the right Mortgage http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/choose_right_mortgage.html Mortgage Articles - Non-traditional loans vs. traditional loans First, you need to learn what a non-traditional loan is as well as what traditional loans mean so you can decide which one is better for your financial situation. Non-traditional loans require the buyer to pay only interest for a period of time and no principal payments. In this case, payments will be low since the buyer is not paying on the principal. Traditional loans require the buyer to pay the principal and interest by following a payment schedule with a down payment. Fixed loans and conventional loans are set up into the same parameters... Wed, 5 Mar 2008 15:00:00 -0200 http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/versusloans.html Mortgage Non-traditional loans vs. traditional loans http://www.blueonerealty.com/buy_a_home/articles/mortgage/mortgage_articles/versusloans.html