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 David Shamansky, Creative, Aggressive & 560 FICO - OK, Colorado Mtg
(US Mortgages - David Shamansky)
Comments 3
Todays data brought us a rally as the lower than expected manufacturing numbers brought about more signs of a possible fed delay to raising interest rates. The FNMA 3.0 coupon had a nice jump up 34bps to start the day when the news hit putting that indicie at 101.00 but during the remainder of th...
By Darren Copeland, Darren Copeland
(Leader One Financial)
Comments 0
   Mortgage consultant Darren Copeland and his experienced home loan team are committed to educating home buyers about home loans, purchasing a new home, refinancing and credit repair and helping people in Getting Mortgage Ready. LeaderOne Financial has helped home owners choose the best home loa...
By Bruce Brown, Branch Manager/Senior Loan Officer/CMPS
Comments 0
Below is the daily mortgage market and interest rate commentary from Bruce Brown of PrimeLending and host of Dollars and Homes on KCMO Talk Radio 710 in Kansas City.To view my daily blog please visit my website at www.dollarsandhomes.com/blog. 
By Maureen Megowan, Palos Verdes Real Estate Blog
(Remax Estate Properties - )
Comments 2
Interest rates for buying a home on the Palos Verdes Peninsula dropped slightly this week.The following are excerpts from the newsletter on interest rates published by HSH Associates : " The Federal Reserve ended its July meeting on Wednesday, and while no change to policy was expected or came, w...
By Conrad Allen, Webster, Ma, Realtor
(Re/Max Professional Associates)
Comments 40
Is my job to get the lowest price possible on the home they want to buy?  Maybe.  The real goal is to find them a home that satisfies their family or personal needs.  Price is important but interest rates are more important.  I deal with first time home buyers primarily.  The average sales price ...
By Troy Erickson, Your Chandler, Ahwatukee, and East Valley Realtor
(Diverse Solutions Realty www.ChandlerRealEstate.weebly.com)
Comments 62
If you missed this original post, Darren Copeland provides an excellent infographic showing the 4 Most Common Loan Types, and what the differences are between them.Obviously with a Conventional Loan, you have more money to put down, but instant equity, and the lowest monthly payment.FHA allows 3....
By Reggie Green
(Stonegate Mortgage)
Comments 1
Interest Rates Hit 2 Month Lows!!August 2015 Interest rates improved again last week pushing interest rate pricing to their lowest levels in over 2 months. The Mortgage Backed Security (MBS) market finished the week trading up + 47 bps. 30 year fixed rates are now available at 3.875% paying .89 p...
By Brett Sampson, Texas Lender
(Berkshire Lending, LLC)
Comments 1
If you receive money from the State or a County sponsored organization for providing foster care for children you can use this money as income to get a mortgage.Foster care income is considered acceptable stable income as long as the borrower has a 2 year history of providing foster care services...
By Jan Green, RE/MAX Excalibur, REALTOR®, EcoBroker, GREEN
(Scottsdale, Phoenix, Cave Creek, Carefree, 602-620-2699)
Comments 20
UPDATE to FHA & Insuring Homes with Leased Solar Panels  - Recently I wrote a blog stemming from FHA not Insuring Homes with Leased Solar Panels.  Having great connections really pays off as our office was probably first in the city to be notified.  The initial blog stated that FHA would not Insu...
By Patty Clark, Helping Families Make the Right Move
(Metro Brokers/Morningside Homes, LLC)
Comments 3
 Build Equity Faster  Equity is an asset and an appreciating home is an investment. While some people have resolved themselves that a mortgage payment is a normal part of life, others have set goals to get their home paid for as soon as possible. There are several strategies that will work but th...
By David Shamansky, Creative, Aggressive & 560 FICO - OK, Colorado Mtg
(US Mortgages - David Shamansky)
Comments 3
Well in a little surprising twist today the news brought about a nice rally back into bonds and treasuries. The Wages and Salaries increased at its slowest pace and only at 1/3 of what analysts expected. This data is now giving many the thought that the fed "proposed" rate hike for September may ...
By Thierry Roche
(Keller Williams Real Estate)
Comments 1
Since 2009, mortgage rates have been below five percent. With rates this low for this long, you would think that existing homeowners or homeowners with Fairfax homes for sale would take the opportunity to refinance. Estimates are around 6.5 million borrowers could benefit with monthly savings if ...
By Jeff Belonger, The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans
( Social Media - Infinity Home Mortgage Company, Inc)
Comments 83
  Pull on the chin straps, because FHA has raised the annual mortgage insurance premiums which is known as the FHA monthly mortgage insurance. These changes are mentioned in Mortgagee Letter 11-10 and become effective on or after April 18th, 2011. The new change is 25 bps. Now before many of you...
By Mitch Valmer, Commercial and Investor Residential Hard Money
(Hard Money Lender & Trust Deed Investments)
Comments 5
This is a hard money joint venture loan product, that is perfect for a savvy rehab investor to leverage our money. If the loan fits we will fund the Deal! We are funding hard money loans above the Purchase Price with our short term Joint Venture Fix N Flip hard money loan. If the Purchase Price, ...
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 25
Buying, Building, or Refinancing a Home?A Glossary of Terms          Everyone is susceptible to it ...      No matter their profession. But as a Mortgage Lender I sometimes catch myself using slang or industry terminology when talking to clients and referral partners.  When you read and "talk" th...
By Spirit Messingham, Third Generation Full-Time Realtor® 520 471-6900
(Tierra Antigua Realty)
Comments 1
 Mortgage bond prices finished the week higher which pushed mortgage rates lower. Rates were positive the beginning of the week tied to economic weakness abroad. The Shanghai Composite index saw an 8.5% decline Monday morning. Consumer confidence printed at 90 versus the expected 100 reading. The...
By John Meussner, Making Mortgages Easy Costa Mesa, CA 484-680-4852
(Total Mortgage Services, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,)
Comments 6
Mortgage Loans for condotels       In part 1 of a blog series on condos and condo financing, we discussed the difference between warrantable & non-warrantable condos.  Today, I want to discuss a type of property that was very popular not too long ago, and seems to be making a comeback - the condo...
By John Meussner, Making Mortgages Easy Costa Mesa, CA 484-680-4852
(Total Mortgage Services, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,)
Comments 7
 Do lenders consider deferred student loans?  GUIDELINE UPDATE:  This blog was originally published in February 2014.  As of June 2015, FHA loans now require deferred obligations to be counted in a borrower's debt to income ratio.        The short answer is yes, lenders do consider deferred stude...
By Darren Copeland, Darren Copeland
(Leader One Financial)
Comments 0
We're interested in helping you learn all about home loans, so we wanted to share with you 4 things you need to know about mortgages. So without hesitant one second more here are the 4 things! Before looking for a home you should get pre-approved.Pre-approval is the easiest way for you to have pe...
By Dennis Dahlberg
(Level 4 Funding )
Comments 0
If you have bad credit and are looking for Texas Bad credit home loans, a hard money loan can be a valuable investment tool. Taking advantage of hard money lending can allow bad credit borrowers to take advantage of real estate investment opportunities.  If you have a credit score of 640 or less,...