List of Financing Articles

• The Pros and Cons of Refinancing
  
  Refinancing has become a valid option for many individuals with high interest rates on their mortgage. Refinancing is essentially a replacement loan, with a different lender and (hopefully) a lower interest...

• Things Your Mother Never Told You: Closing Costs
  
  Buying or selling a home can be one of the most life changing decisions a consumer makes. Being educated about the real estate process and investigating things you don't understand is essential. Working...

• Mortgage Products: The 30 Year ARM
  
  As you begin to traverse the actual home appraisal, the loan amortization, your down payment, and all the dots that must be connected in order to make the dream a reality, you suddenly realize that you...

• Mortgage Refinancing Tips
  
  As interest rates continue to creep upwards, many home owners are looking at refinancing options. Here are some mortgage refinancing tips.
  Mortgage Refinancing Tips
  Rates have been increasing steadily...

• Mortgage Equity - A Case Study
  
  Wells Fargo is one of the leading firms that offer home equity loans with no closing fees; however, whether or not you pay closing fees will depend on the amount of loan borrowed and the state in which...

• Should you refinance?
  
  There are several reasons that might make someone consider refinancing their existing mortgage. One would be to get a lower interest rate than what they currently have, thereby reducing monthly payments...

• Reap the benefits of fixed mortgage loans
  
  You have taken a mortgage and you are continually paying higher rate of interest. Have you ever realised why your interest rates on mortgage is rising? Mortgage rates are directly proportional to Bank...

• Appraisal vs. Market Value: How to Avoid Pitfalls in the Sale of Your Home
  
  When you sell your home, appraisers use comps (comparable market sales) of local properties sold within the last six months to value your home. With today’s rapidly rising seller’s market,...

• Taking Title of Your New House
  
  How you take title in your new home is key decision. Unfortunately, in the euphoria of the moment, many new homeowners don't put much thought into it.
  Title
  When purchasing a new home, you become the...

• 2nd Mortgage - Better Than Refinancing
  
  You have probably received refinancing offers in the mail or advertised online touting your ability to pull out your home's equity. But a 2nd mortgage, also called an equity loan, may be a better financing...

• Refinancing Your Home Mortgage Loan With Bad Credit
  
  There are numerous reasons a person has bad credit. Late or partial payments, missing payments, and too many outstanding debts could all be factors that have left you with a poor credit rating. If you...

• Fixed Annuity
  
  If you are interested in making your money grow over time, you should know about an investment instrument called fixed annuity. Fixed annuity is an investment option offered by different insurance companies....

• How To Apply for a Fixed Rate Auto Loan
  
  Thinking of applying for an fixed auto loan or car loan? You should start requesting for your credit report as soon as possible. All creditors, commercial banks, finance companies and even unconventional...

• Real Estate Closing Costs Exposed
  
  Closing costs can come as a shock to anyone buying or selling real estate - especially to investors. Here's an explanation of the various expenses you must plan for:Down Payment Most lenders require...

• What Is The Best Deal For A Mortgage?
  
  Few of us invest the time and effort into researching and securing the best deal for a mortgage to purchase our home.For most of us, our house is the single most important and expensive purchase we ever...

• Always choose your mortgage interest rates sensibly
  
  When you decide to buy a home, first thing that comes to your mind is to arrange finance. With the increased cost of real estate, it is nearly impossible to purchase outright. Most of the home owners buy...

• PMI - Private Mortgage Insurance
  
  Many a first-time homebuyer has grumbled about paying private mortgage insurance. This article discusses the particulars of private mortgage insurance, also known as "PMI."
  Private Mortgage Insurance
  Unless...

• Home Buying 101: What's Title Insurance, and Do I Need It?
  
  When buying a home, title insurance will certainly come up at some point. It's an important part of the home buying process, so it's equally important that you understand what it is and how it can protect...

• Fixed Rate Mortgage Loans - Understanding The Basics
  
  Fixed rate mortgages are the most common type of mortgage loan for home buyers. With predictable payments, long term homeowners can plan their budgets and guard against rising interest rates. But a fixed...

• Adjustable vs Fixed Rate Mortgages
  
  Mortgage rates can either be fixed for the duration of your loan or can be adjustable. An adjustable rate mortgage is a loan that is set up with an interest rate that changes based on pre-determined criteria,...

On the pages of this web site you will find information that has been collected from many independent sources.   Each article or news item offers a different point of view, but not necessarily the CPA Mom's.  This information is for general information only.

If you desire to ask a specific question, feel free to  contact us.               Opinions are FREE.