Lending / Financial

Buying real estate is even more challenging for those of us whose eyes glaze over at the mere mention of decimals, percentages or anything else that even hints of mathematics.

The financial aspect of purchasing the largest investment of your lifetime, though, is the most important. Nobody wants to lose money. Nobody wants to leave money on the table.

If you're in the market for information on mortgages, credit scores and interest rates, you've come to the right place. The financial and mortgage pros here at ActiveRain even tell you how to shop for and compare lenders, how to raise your credit score, how to get a mortgage after a short sale or foreclosure and how to get pre-approved for a mortgage loan. Even Mom and Dad can't give the great advice you'll find here at ActiveRain.

Plan to spend some time here because ActiveRain's content library is massive. Lucky for you we've arranged it so that it's über user-friendly. You'll be amazed at how easy it is to put your finger on just the information you're looking for without having to surf a million other pages.

Trending blogs on Lending / Financial

By Robin Rogers, CRS, ABR, MRP - Real Estate Investment Adviser
(Robin Rogers, Silverbridge Realty, San Antonio, Texas)
Comments 1
A recent survey from Deloitte showed that more than half of Americans are concerned about the safety of their personal data on shopping websites. Plus, 42 percent are also concerned about their data in brick-and-mortar stores. Here are some recommendations for making your Black Friday, Cyber Mond...
By Bill Ladewig, Experience Is Your Advantage
Comments 0
MORTGAGE INTEREST RATE LOCK ADVISORY November 27, 2015, 7:30 AM PST    Happy Black Friday   LOCK ADVISORY -  Click for current Lock Advice 1-14 Day Close: LOCK  15-30 Day Close: LOCK   31-45 Day Close: LOCK Recommendations can change throughout the day.    MORTGAGE MARKET INDICATORS -   Click for...
By Bob Thompson, 562.344.5626 | ALT-Doc, Stated Income HELOCs and Private Money, AltDocLoan.com - Residential and Commercial Loans
(Commercial and Residential Niche Lending)
Comments 0
Stated Income Home Equity Line of Credit (HELOC) - Owner-Occupied, Non-OwnerOccupied and Second Homes - SFR's, 2-4's and Condos. 620+ FICO needed. Loan amounts from $150,000 - $2,000,000. Up to 50% LTV to $1,000,000, 40% to $2,000,000.4.25% interest only start rate for the 5 year draw period, the...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987, IL Lic. 0006220, WI Licensed. APMC NMLS #175656)
Comments 34
Are You a Mortgage Borrower? Flex Your Muscles!      It's fairly common to see and hear advice provided about the importance of comparing Mortgage Lenders when looking to finance a home purchase or refinance.  Advice is also commonly given to conduct comparison shopping when it comes to Interest ...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987, IL Lic. 0006220, WI Licensed. APMC NMLS #175656)
Comments 22
Interest Rates Rumored to Rise Soon.What To Do to Save Yourself Money NOW       While many Economists, Banks, and Lenders are now assuming (and reporting) that there will be a rise in interest rates in the near future, that assumption is at best, an educated guess ...        A rise in interest ra...
By Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent
(Berkshire Hathaway HomeServices PenFed Realty, Your Clarksville Real Estate Professional)
Comments 2
The time is now if you want to be assured you get these great rates that are available. Waiting has risks and you may be sorry you did. Interest Rates Rumored to Rise Soon. What To Do to Save Yourself Money NOW        While many Economists, Banks, and Lenders are now assuming (and reporting) that...
By David Shamansky, Creative, Aggressive & 560 FICO - OK, Colorado Mtg
(US Mortgages - David Shamansky)
Comments 3
Well as we draw nearer to the long holiday weekend for Thanksgiving I am now being swayed from my previous position of NO RATE HIKE in December!Based on today's data release, this seems to be exactly what may be needed to push Yellen over the hump to make the decision to increase and do the unpre...
By Bill Burchard, Broker, Realtor - Murrieta Homes For Sale, Califor
(3B Realty: 951-347-3818, CA)
Comments 0
Fixed Mortgage Rates Avg. 3.95% (30-Yr), 3.18% (15-Yr) for Week Ending 11/25/2015. Just follow the link to view the latest Weekly Mortgage Rate Averages. Every week I report the latest mortgage rate averages as determined by Freddie Mac. I post the latest national averages, as well as the local a...
By Cynthia Schmier, CRS, CDPE, CNE, CIAS, MDI, 5-Star
(RE/MAX Country)
Comments 0
Mall security (ONLINE VERSION) According to a 2014 Deloitte survey, 55 percent of American consumers say they are concerned about protecting their personal data when shopping online, and 42 percent say they have similar concerns when shopping in stores. With the holiday shopping season fast appro...
By Nick T Pappas, Madison & Huntsville Alabama Real Estate Resource
(Assoc. Broker/Broker ABR, CRS, SFR, e-Pro, @Homes Realty Group, Huntsville AL)
Comments 11
       Calculate Your Mortgage Payment There's no shortage of ways to calculate your mortgage payment, the Internet is full of mortgage calculators to calculate approximately how much a mortgage payment will be. Click on any mortgage calculator—such as this one on my personal website, this one a...
By Deanna Early, Mortgage Loan Originator
(American National Bank and Trust)
Comments 10
For people that have outdoor occupations and depend on daylight to perform their job tasks, the ability to produce income is often reduced at this time of year.   Many seek second jobs to supplement their pay and that falls in line with many employers who are looking for temporary employees.Thoug...
By Charles Stallions, 800-309-3414 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Comments 1
  Pensacola Home Source 32503, 32504, 32514, Fannie and Freddie fund mortgages - why change them?Pro: The mortgage giants pump trillions of dollars into housing. Con: They're too big to fail - and taxpayers could be on the hook if the economy stumbles again. Read more. . Helpful Links Sign up for...
By Joyce Kelley, Buyers Agent 800-309-3414 Pace and Gulf Breeze,Fl.
(Charles Stallions Real Estate Services Inc)
Comments 2
  Gulf Breeze Real Estate  Happenings 32561, 32563, 32566, Fannie and Freddie CEOs say they're changing  eThe government-owned mortgage backers doubt Congress will change anything soon, but they're learning to operate under the new rules and spread some risk around. Read more.  in Gulf Breeze, Fl...
By Dennis Dahlberg
(Level 4 Funding )
Comments 0
Texas hard money lenders are in the business of helping investors make money with specialized, asset based loans. If  you are a real estate investor, hard money loans can be your best friend for both residential and commercial real estate investments.  A hard money loan is an asset based loan, se...
By Valorie L. Ford, Valorie Ford & Co, Charlottesville/Albemarle Real
(Keller Williams Realty)
Comments 2
Maybe you’ve heard of a Short Sale & Stay (often referred to as a Short Sale Buyback). Basically it is a way for a homeowner to remain in their home even though they will no longer be the owner. It also allows for the previous homeowner to buy back the property at some designated time in the futu...
By Brett Sampson, Texas Lender
(Berkshire Lending, LLC)
Comments 2
I hope you guys have a safe and happy Thanksgiving!Now, down to business…Fun facts about Thanksgiving and Turkeys…Did you know:-The pilgrims didn’t use forks; they ate with spoons, knives, and their fingers.-Benjamin Franklin wanted the turkey to be the national bird of the United States.-Abraham...
By Michael Shotnik
(Colorado Mortgage)
Comments 0
If you pay attention to mortgage news, you've probably heard about TRID* and concerns over delays it could pose in the industry. We’ve closed a handful of TRID transactions, and are actually excited about the process. Our entire staff has placed focus on each file timeline to ensure we’re hitting...
By Bruce Brown, Branch Manager/Senior Loan Officer/CMPS
Comments 0
Below is the daily mortgage market and interest rate commentary from Bruce Brown, Branch Manager and Senior Loan Officer with PrimeLending in Kansas City.To view my daily blog please visit my website at www.dollarsandhomes.com/blog. 
By John Elwell
(CENTURY 21 Bill Nye Realty, Inc.)
Comments 0
Today, 11/25/2015, Freddie Mac reported that the average mortgage interest rate for 30 year fixed-rate mortgage was 3.95% down from 3.97% last week. The average interest rate for 15 year fixed-rate mortgages was 3.18%, unchanged from last week. A year ago the average rate for a 30 year fixed-rat...
By Bruce Reichstein, Mortgage Industry Professional - 3 Decades
(Mortgage Industry Professional, Westbound Bank Chairman)
Comments 1
HUD 4000.1, the new FHA single family home loan rulebook, has specific instructions to participating FHA lenders about the appraisal process.  An appraisal is required as we learn from this line in Part II Section A of the rulebook:"The Mortgagee must order a new appraisal for each Mortgage or r...