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General Questions
What is a mortgage?
What types of mortgages are there?
What is a reverse mortgage?
What is the difference between a mortgage and a deed of trust?
Glossary of most commonly used mortgage terms
Where should I apply for a mortgage?
I am getting muddled on all the types of mortgages available. Any tips on how to choose the right one?
Can I use a mortgage broker?
What is a ‘mortgage contingency clause’?
Should I have a lawyer review the mortgage papers?
Who are fannie mae, ginnie mae, and freddie mac?
What can I do if I have bad credit but I want to obtain a home loan?
What happens if I cannot pay my mortgage?
Will my filing bankruptcy stop a foreclosure?
What if the value of my home drops? Am I still personally liable on the outstanding mortgage?
What are anti-deficiency laws?
I can receive a better mortgage rate on my rental property by stating I live on the premises. Could I get into trouble?
Should you get pre-approval for a mortgage before looking at property?
What problems arise from owner-financing?
I am buying a home that has an assumable mortgage. Is that a good thing?
What is mortgage insurance?
What about second mortgages?
What’s a prepayment penalty?
I was applying for a mortgage loan and the lender wants me to sign irs form 4506. What’s this?
Any information on the mortgage interest tax credit?
I sustained water damage at my condo through no fault of my own. The condo association agreed to pay for the damage but now is dragging its feet and giving me reasons why they won’t ante up. Who do I sue for reimbursement and where?
The servicing of our mortgage loan was just recently sold by our neighborhood lender to another institution. Do we have any rights against the transfer and sale of my loan files?
We borrowed money from our local bank eight months ago to finance our first home. We now are experiencing a serious problem with the bank's handling of our loan. What is our first step?
We filed a complaint with our lender handling our home mortgage loan. Just how long do we have to wait for a response and action on our problem?
I co-signed on a mortgage with a friend. Now, he has fallen behind on his payments. Can I take over the property?
Applications
Where should I apply for a mortgage?
Can I use a mortgage broker?
I was applying for a mortgage loan and the lender wants me to sign irs form 4506. What’s this?
Bad credit rating
What can I do if I have bad credit but I want to obtain a home loan?
Contingency clauses
What is a ‘mortgage contingency clause’?
Deeds of trust
What is the difference between a mortgage and a deed of trust?
Fannie Mae, Ginnie Mae, Freddie Mac
Who are fannie mae, ginnie mae, and freddie mac?
Financing
Should you get pre-approval for a mortgage before looking at property?
What problems arise from owner-financing?
What about second mortgages?
I can receive a better mortgage rate on my rental property by stating I live on the premises. Could I get into trouble?
I co-signed on a mortgage with a friend. Now, he has fallen behind on his payments. Can I take over the property?
The servicing of our mortgage loan was just recently sold by our neighborhood lender to another institution. Do we have any rights against the transfer and sale of my loan files?
We filed a complaint with our lender handling our home mortgage loan. Just how long do we have to wait for a response and action on our problem?
We borrowed money from our local bank eight months ago to finance our first home. We now are experiencing a serious problem with the bank's handling of our loan. What is our first step?
Foreclosures
How can I protect my personal residence?
What happens if I cannot pay my mortgage?
What can protect me for any potential deficiency balance after foreclosure?
Will my filing bankruptcy stop a foreclosure?
My lender is foreclosing on my home. Will filing bankruptcy stop this action?
A lender has a mortgage lien. What is a lien and does it affect my bankruptcy case?
Legal help
Should I have a lawyer review the mortgage papers?
Mortgage insurance
What is mortgage insurance?
Pre-payment penalty
What’s a prepayment penalty?
Reverse mortgages
What is a reverse mortgage?
What about the reverse mortgage program to help me with finances?
Taxes
What tax advantage do I get by owning real property?
What taxes am I subject to on my home?
What about second mortgages?
What’s a prepayment penalty?
Terminology
Glossary of most commonly used mortgage terms
Types
What is a mortgage and how does it affect my owning real property?
I am getting muddled on all the types of mortgages available. Any tips on how to choose the right one?
What types of mortgages are there?
What is a reverse mortgage?
I am buying a home that has an assumable mortgage. Is that a good thing?
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