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 Jason Hands, Purchase Specialist - https://jasonhands.emmloans.
(E Mortgage Management )
Comments 0
I am a licensed mortgage loan originator with over 17 years’ experience in the mortgage industry. I specialize in Home Purchases and Refinances in Florida. I have helped over 2,500 homeowners realize their dreams of home ownership, with many repeat and referral clients. Below are some highlights ...

By Jason Hands, Purchase Specialist - https://jasonhands.emmloans.
(E Mortgage Management )
Comments 0
Below are the steps to follow for establishing credit before your purchase your first home Establish or maintain 3 credit card/installment accounts with small limits never using no more than 20% of the available balance.   Better yet, just use the cards to pay for a tank of gas, then pay it off. ...

By Jason Hands, Purchase Specialist - https://jasonhands.emmloans.
(E Mortgage Management )
Comments 0
If you have a recent bankruptcy, foreclosure or have had a short sale on a property in the last 4 years you already know that you do not qualify for Fannie Mae conventional financing in the State of Florida. I have a solution for you and have answers for completing your mortgage needs in todays m...

By Jason Hands, Purchase Specialist - https://jasonhands.emmloans.
(E Mortgage Management )
Comments 0
VA loans are often made without any down payment at all. Aside from the veteran's certificate of eligibility and the fact that the appraiser is assigned by VA, the application process is not much different than any other type of mortgage loan. E Mortgage Management is approved for automatic proce...

By Jason Hands, Purchase Specialist - https://jasonhands.emmloans.
(E Mortgage Management )
Comments 0
If you are looking to purchase an Investment Property in Florida please contact me directly for the Best Loan Program and Rates on Foreign National or Domestic - Non Owner Occupied Properties in Florida We can finance most property types such as Single Family Residence, Townhomes, Villas, Condos,...

By Roy Kelley, Roy and Dolores Kelley Photographs
(Realty Group Referrals)
Comments 10
 In a multiple offer situation, sellers with often give extra consideration to those offers with solid mortgage pre-approval letters from recognized lenders.  If you're planning to buy a home in 2016, here's what you need to know about the mortgage process. With significant home inventory shortag...

By John Lemos, Your Home Loan Expert
(New American Funding)
Comments 4
   Party Like It's 1980: Mortgage Debt Ratios at 37-year Lows According to recently released statistics from the Federal Reserve, average mortgage payments as a percentage of disposal income have reached their lowest point since 1980.  (See chart below.) This is great news for homebuyers!  For ex...

By Diana White-Pettis, GRI, CDPE, CNE, Upper Marlboro Homes for Sale
(Exit Bennett Realty )
Comments 1
New Down Payment/Closing Cost Assistance Program in Montgomery County, MD The Maryland Department of Housing and Community Development is partnering with Montgomery County for a new homebuying initiative through the Maryland Mortgage Program. Called the Montgomery Homeownership Program, the progr...

By Chris Goulart, California Hard Money Loans & Solutions
(All California Lending)
Comments 0
Most of the hard money loans we assist with are for business purpose.  A good portion of those are rehab loans, construction completion loans or acquisition loans for distressed properties.  The upside to acquiring properties under value is that you are getting them under market value!  The downs...

By John Meussner, #MortgageMadeEasy Costa Mesa, CA 484-680-4852
(Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,)
Comments 20
What Documents Do I Need to Get a Mortgage?      One of the most confusing, and often times frustrating, parts of buying a new home or refinancing an old mortgage loan is submitting all of the documentation required by lenders.  If the last time you got a mortgage was pre-TRID, pre-SAFE, pre-Dodd...

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 March 31, 2017   Please enjoy this quick update on what happened this week in the housing and financial markets.       Consumer confidence surged to a 16+-year high in March. Consumer optimism is supported by a strong labor market and a positive economic outlook. The GDP inc...

By Rob Spinosa, Executive Loan Advisor, Marin Mortgage Broker
(RPM Mortgage, Marin County, CA)
Comments 0
Your Mortgage on Steroids If you are self-employed and attempt to get a mortgage, you know it's tough to get a fair shake.  It seems like lenders never give the self employed the benefit of the doubt.  But what if you could have just ONE great year, instead of two, and then qualify for the loan y...

By Jeff Dowler, The Southern California Relocation Dude - Carlsbad
(Solutions Real Estate )
Comments 7
Buying a home is a tough process, with lots of decisions and tasks that must be accomplished. A big part of the challenge is applying for, and obtaining, a mortgage. There is a lot that has to be done in this process, with plenty of documents that you will need to provide your lender. Knowing up ...

By Mike Tizzano, Full Service Mortgage Bank
(LHM Financial DBA CNN Mortgage)
Comments 3
  Anyone that has been in the mortgage business long enough has seen or heard all kinds of unbelievable stories. Prior to the 2008 credit meltdown there were literally programs available that were commonly referred to as "liar loans". These stated income loans basically allowed borrowers to say t...

By Gabe Sanders, Stuart Florida Real Estate
(Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales)
Comments 5
For those financing a home purchase, here's some excellent advice to read and understand from Diane Beaumont a mortgage lender with Benchmark Mortgage in Woodland Park, CO.   Buying a home is one of the biggest financial investments you'll make in your life. It's important to make sure that you'r...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 4
ALL LENDERS ARE NOT CREATED EQUALLY I recently experienced a situation where the title of this blog "all lenders are not created equally" proved costly to the home buyer.A past client called me about her son who was trying to purchase a second home. At this stage he had found the home and written...

By Christopher Pataki, Hockessin Delaware Real Estate
(Berkshire Hathaway HomeServices)
Comments 4
 Death is not a fun topic to discuss, but planning for the future of your assets and estate is necessary.Here are six points to consider to make sure you cover all the bases when writing your will.1. Ask for help. Using a do-it-yourself, will-writing website can be risky. They often do not consid...

By Kimo Stowell, REALTOR Associate® RS-76763 - Honolulu Hawai'i
(HI Pro Realty LLC RB-21531 )
Comments 13
 Assess your life before adopting: When is it a good time to adopt? When considering pet adoption, it’s best to avoid acting impulsively. The best time to hanai(adopt) a pet into your Ohana(family) is when your life is relatively calm and organized, but life and it’s circumstances often don’t sta...

By The Temple Team, Specializing in Charlotte/ Lake Norman Real Estate
Comments 0
This being the first full week of April reminds us, our tax due date is quickly approaching. If you're ahead of the game, maybe you're already holding your refund wondering what to do with it. Our friends at Fairway Mortgage have ideas!! This article reviews practical uses for your refund to keep...

By Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent
(Berkshire Hathaway HomeServices PenFed Realty, Your Clarksville Real Estate Professional)
Comments 9
Do you want to know more about Reverse Mortgages? Read this post by Nathan Gesner and get informed. I recently asked, "Reverse Mortgages: Are You A Fan Or Not?" The responses were varied but it appears most respondents knew nothing about them or hate them. That sounds like a good reason to write ...