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FHA Down-Payment Grants

Buying a home is a momentous occasion, but if you don't have the money for a down payment, you may think you'll never have your dream home. However, the government is looking for ways help increase...

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Steps in Finalizing a Mortgage

Getting a mortgage can be a complicated process. However, you can make things much easier if you know what to expect before you start. Going into the process prepared could save you not only time but...

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How to Calculate Different Mortgage Payments

When shopping for a mortgage, different banks will charge different rates to the borrower. The different interest rates will change the amount of monthly payments. Banks may also differ on the time...

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The Best Way to Pay Less Interest on a 30-Year Conventional Mortgage

You will pay the maximum amount of interest on your 30-year mortgage if you make payments for the full term. You can reduce the amount of interest you pay by following some simple steps. The faster you...

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RESPA & Truth in Lending

Any buyer searching for a home mortgage loan should familiarize himself with the Real Estate Settlement Procedures Act and the Truth in Lending Act. These laws were implemented to protect borrowers...

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How to Buy a House With Bad Credit & No Down Payment

You probably want to own a home at least once in your life time, but if you have bad credit and no money for the down payment, you might give up on your dream. Fortunately, there are options available...

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Assistance Grants for Down Payments

The down payment for a home can seem daunting if you don't have any help. A down payment doesn't have to get in the way of you finally owning a home. There are many assistance grants. In July 2008,...

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How to Close on a Refinance

When a refinanced loan is closed, all paperwork and documents need to be prepared and signed by all borrowers, who must also provide income documentation. All signers will need to provide photo...

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Grants for First Time Home Owners

First-time home buyers may be eligible for grants. Such grants can assist with down payments, or with the cost of a mortgage itself. Most programs are funded by the federal government, but administered...

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New Jersey Mortgage Programs

A mortgage can be expensive, and a New Jersey mortgage is no exception. However, if you have some assistance from the federal government you may be able to afford the home of your dreams without...

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HUD Reverse Mortgage Limits

A reverse mortgage is a home loan that allows older homeowners to convert equity into cash. Reverse mortgage limits are set by the Federal Housing Administration and vary by geographic region.

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How to Get a Mortgage Without a Full-Time Job

Getting a mortgage usually requires you to prove you can pay for the loan. If you've had a steady job, you can easily come up with your employer's info and copies of tax statements to prove your...

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Government Mandated Laws on Foreclosure of Homes

Purchasing a home is a big decision and when you fall behind on payments, you risk the bank foreclosing on your property. There are many laws associated with foreclosures that are designed to protect...

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FHA House Inspector Requirements

The Federal Housing Administration (FHA) requires an appraiser, also called an inspector, to act as a mortgage lender's eyes to determine a home's eligibility for mortgage insurance. The FHA certified...

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What Types of Loans Are HMDA-Reportable?

The Home Mortgage Disclosure Act (HMDA) was enacted into law during 1975 and was implemented by Regulation C of the Federal Reserve Board. Over the years, many amendments to the original law and...

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Government Incentives for First-time Home Buyers in Canada

The Canada Revenue Agency provides tax incentives and programs to Canadian first-time home buyers to help finance the purchase of their first home. These incentives include an income tax credit, a tax...

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Penalties on Mortgages

As long as you apply for a loan in good faith and make regular payments until the loan is paid off, there are no penalties associated with a mortgage. If you lie on your loan application, pay off your...

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HUD Grants for Foreclosures

Because of the economic decline, the federal government has scrambled to make provisions for homeowners facing foreclosure. Not only has the government sought solutions to help citizens keep their...

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What Types of Home Loans are Available To the Self-Employed?

Due to an increase in home loan defaults, the underwriting process---where lenders decide whether or not to approve a person for a home loan---has gotten stricter and stricter. If you have a job,...

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Refinancing Your Home With an IRS Lien

Refinancing your home is one way to get a lower interest rate and payment. To refinance, your lender will order a title search report from a title company. The mortgage deed is reviewed during the...

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