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 Gary Frimann, REALTOR and Broker
(Eagle Ridge Realty / Signature Homes & Estates)
Comments 5
The California Association of Realtors has done another Infograph and wanted its Realtor members to share it. Despite the loss of equity over the past few years, many homeowners and new homewoners can take advantage of these historically low interest rates.  In other words, it is a good time to b...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
  For the Week Ending June 2, 2017  Please enjoy this quick update on what happened this week in the housing and financial markets.    The Consumer Confidence Index, which had decreased in April, fell again slightly in May. However, consumers remain optimistic about the economy on the whole. Cons...

By John Thomas, First Time Home Buyer Expert
(Primary Residential Mortgage Inc.)
Comments 1
Mortgage Rates Vide Blog June 5, 2017Mortgage Rates hit all time record lows for the year last Friday after the May 2017 Jobs Report was released by the US Labor Department.  The Jobs report was very disappointing which helped moved mortgage bonds higher and mortgage interest rates lower.  Call 3...
  San Diego has been experiencing another overwhelming effect of the housing crisis, which is the slow but steady increase in unemployment in the county. Many of those affected are individuals in the housing and real estate business. And many of the same people are also threatened with foreclosur...
Suppose you are in distress and immediately need financial support to ease off your burden, or for real estate, Cash float’s instant ‘Pay day’ loans designed with the help of brand new technology offers quick loans through secured website. Cash float is a direct lender, hence it can dispose loan ...

By Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent
(Berkshire Hathaway HomeServices PenFed Realty, Your Clarksville Real Estate Professional)
Comments 16
If the seller is going to pay closing costs for the buyer, underwriting guidelines limit the percentages based on the loan to value. This is a very useful article to keep as a reference. Thanks Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi. Your Buyer's Guide to Closing...

By Gary Frimann, REALTOR and Broker
(Eagle Ridge Realty / Signature Homes & Estates)
Comments 1
A Simple Guide to Building Your Credit Score Building a good credit score (and maintaining a good credit score) is an important part of the home buying process. Thye better your credit score, the better the interest rate will be when you obtain a mortgage, plus good credit often alolows you to pu...

By Bob Elliot, 20+ Yrs Local Industry Experience
(RE/MAX Advisors)
Comments 0
Last week's economic releases included readings on inflation, core inflation pending home sales and multiple reports from the labor sector. Weekly readings on mortgage rates and new jobless claims were also released. Pending home sales were lower and weekly jobless claims rose, which illustrates ...

By John Meussner, #MortgageMadeEasy Costa Mesa, CA 484-680-4852
(Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,)
Comments 27
 What is "Fannie direct" (and why your lender should be)      It's hard to keep up with all of the mortgage industry jargon, especially when one phrase can mean so many different things.  The latest phrase I've gotten many questions on is the"Fannie direct" loan option.  This is an important one ...

By Karen Schimpf
(Commercial Capital Ltd.)
Comments 0
cc: by https://flic.kr/p/5G9jViyThe Place to Go When the Banks Say NO!90+% of the commercial real estate loans that we close were denied by a bank or lender before closing with us! That is an astounding true statement. We are out here getting money to good people, who the banks are saying no to....

By Gary Frimann, REALTOR and Broker
(Eagle Ridge Realty / Signature Homes & Estates)
Comments 2
Everyone should be aware of mortgage fraud and mortgage assistance fraud.  Fraudsters comb the public announcements in the local papers and then pounce on vulnerable people.  Contact your lender directly and see if they can help you out first. Here is a notice (abridged) from the CA Association o...

By Tracy Santrock, Raleigh - Cary Realtor
(Fonville Morisey/Santrock Realty Group, Inc. )
Comments 1
After rising all year, interest rates recently fell for six consecutive weeks to their lowest point since July. Less than a year ago, experts everywhere, from the Federal Bureau of Investigations to the Federal Reserve, questioned appraised values of homes. Now, as the boom wanes, lenders are mor...

By Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
Comments 28
With Golf and Mortgages: It's Important to Know the RulesThere are a LOT of rules in golf ...  That fact has drawn increasing attention as of late.  But truth is, golf rules have always provided controversy and remained in the forefront of gold tournaments over the years.  Just ask these pros:  L...

By Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
Comments 11
 The Gift of Knowledge: Best. Graduation. Gift. Ever. My goddaughter, Katie, is graduating from high school this week.  She's just one of the approximately 3.3 million graduates graduating from U.S. public and private high schools this year. We'll be celebrating Katie's accomplishment(s), as well...

By Rick Snow - Selling El Paso TX, Cool Deals on Hot Real Estate in El Paso, Texas
(EXIT West Realty)
Comments 3
Mortgage News daily announced this week that Fannie Mae is easing some of the Debt-To-Income requirements in their Desktop Underwriting program, effective after the weekend of July 29th. What do you think? Should credit requirements for buying a home be made easier? Leave a comment belowYou can r...

By Kasey & John Boles, Boise, Meridian, Ada/Canyon/Gem/Boise Counties
(Jon Gosche Real Estate, LLC - BoiseMeridianRealEstate.com)
Comments 10
  Flyer & Information Courtesy of:Guild MortgageKellie AllenMortgage Consultant/Branch Manager776 E Riverside Drive Ste. 100                                                        Eagle, ID 83616O: 208.489.2824 F: 208.914.7122 M: 208.941.4914kallen@guildmortgage.netNMLS ID 92930 Company NMLS # 32...

By Gabe Sanders, Stuart Florida Real Estate
(Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales)
Comments 13
While losing a game of golf because you broke the rules usually doesn't impact your life greatly (unless you're a pro), in the case of a loan, it can be devastating.  Read this post from Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi :  With Golf and Mortgages: It's Impo...
Commercial real estate lending has been extremely difficult these days but it hasn't dried up completely. Progress is being made and I see it every day from the investor community. Credit restrictions are of course tight but if there is equity or an exit strategy, there is money out there that wa...

By Kimo Stowell, REALTOR Associate® RS-76763 - Honolulu Hawai'i
(HI Pro Realty LLC RB-21531 )
Comments 0
 Latest rates, based on 20 percent down, $200,000 owner-occupant mortgages. The rates and terms may vary; check with lenders for details. Rates may have changed click here to varify  Lender Term/Type Interest Rate % Points % *APR Accelin Loans LLC699-6991NMLS#1574660 15-YR Fixed 2.750 0.790 2.820...

By Richard Woodward NMLS#217454, Service Beyond Expectations! Your Texas Lender
(Service First Mortgage, NMLS #166487)
Comments 1
Top 10 Things You Should Know About Your Mortgage When Going Through a DivorceDivorcing clients have many questions when going through a divorce; especially when real estate and mortgage financing are involved. Here are ten top things every divorcing client should take into consideration when dea...