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 Patty Clark, Helping Families Make the Right Move
(Metro Brokers/Morningside Homes, LLC)
Comments 2
Regardless of the reason to refinance a home, the basic question to ask is: “Do you plan to live in the home long enough to recapture the cost of refinancing?” There are always expenses involved in refinancing which can be paid in cash or rolled into the new mortgage.From a strictly financial sta...

By Dennis Dahlberg
(Level 4 Funding )
Comments 1
If you have bad credit you may find yourself wonder How to buy a house with bad credit in Arizona and it may seem impossible. However, there are a variety of loan types and programs that can help you purchase a home in the Grand Canyon State as a primary residence or as an investment. With sunshi...

By Lew Corcoran, ASP®, Home Stager & Real Estate Photographer
(Scena Home Staging & Decora Photography)
Comments 5
Frequently Asked Question: FHA / MIP / VA Funding Fee Q: Q: I am going over our Closing Costs Worksheet (for our preapproval) and I see "FHA/MIP/VA Funding Fee". What is this? Is this something that has to be paid at closing or can it be added into the loan?A: FHA has a one-time upfront mortgage ...

By Gabe Sanders, Stuart Florida Real Estate
(Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales)
Comments 9
Many buyers need to understand how their debt-to-income ratio affects what they can qualify for in a loan for a home.  Here's a great explanation from Diane Beaumont : When you're delving into the market in the hopes of finding your dream home, it's likely you'll come across the term debt-to-inco...

By Chris Goulart, California Hard Money Loans & Solutions
(All California Lending)
Comments 0
We can help obtain funding for California commercial hard money seconds.  While many commercial property owners have equity in their property, tapping that equity is not always as easy as it could be.  With a hard money second on commercial property in California, we can help access that equity, ...

By Stieg Strand, Professional Real Estate Purveyor
(RE/MAX Results)
Comments 2
Procrastination can be a dirty word that costs you far more $$$ later, than it will now...  “Cost of Waiting to Buy” is defined as the additional funds it would take to buy a home if prices and interest rates were to increase over a period of time. Freddie Mac predicts that interest rates will in...

By Bob Elliot, 20+ Yrs Local Industry Experience
(RE/MAX Advisors)
Comments 0
Last week's economic news included readings on construction spending, the post-meeting statement by the Fed's Open Market Committee and labor-related reports including ADP payrolls, Non-farm payrolls and the national unemployment rate. Weekly readings on new jobless claims and mortgage rates were...

By Michelle Cooks, Pensacola, Pace & Gulf Breeze Property Management
(Charles Stallions Real Estate Services)
Comments 1
Pensacola, Pace, Gulf Breeze Property Management: FHA loans easier to get - but more in default More non-bank lenders are now offering FHA loans, and the past-due payment rate rose slightly. Experts disagree on whether that's good or bad. Read more.  Are you paying too much in Property Management...

By Bo Kociuba & Buster Elliott, Live & Love OKC!
(Berkshire Hathaway HomeServices Anderson Properties )
Comments 0
MORTGAGE RATES FOR THIS WEEKEND-MAY 5Mortgage rates for this weekend-May 5. Check available mortgage rates for this weekend. They are steadily going up … but still, the rates are historically low!Lots of great looking homes on the OKC Metro market.Discover  YUKON or MUSTANG … are these your prefe...

By Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel
(RE/MAX Centre Realtors)
Comments 16
Attention home buyers.Please read this post before you start looking at homes.Speak to a lender and get preapproved.  With Golf and Mortgages: It's Important to Know the Rules There are a LOT of rules in golf ...   That fact has drawn increasing attention as of late.  But truth is, golf rules hav...

By Gabe Sanders, Stuart Florida Real Estate
(Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales)
Comments 10
There are quite a few bug name celebrities on TV, Radio and the Internet hawking reverse mortgages.  It must be a pretty profitable business for the lenders.  Like Nathan Gesner , I'm not sure it's such a great idea for the potential consumer.  Anyone considering a reverse mortgages should really...

By Michael Cantwell
(LoanDepot - NMLSR ID #644428)
Comments 0
VA Renovation Loans, yes they do exist.  If you have called around from lender to lender and have not been able to get a straight answer to your question when you asked if VA renovation loans do exist, I can assure you that they do.  I have been originating renovations loans under the FHA 203K Pr...

By John Meussner, #MortgageMadeEasy Costa Mesa, CA 484-680-4852
(Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,)
Comments 9
Can I get a mortgage with a job offer and no paystubs? Yes.  Yes.  YES.      I just received a call from a Realtor regarding a buyer I've pre-approved that submitted an offer on one of her listings.  First off, there was a bit of pleasant shock on the other end of the phone that I'm answering the...

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 Delayed Financing?  How is it used? What is delayed financing?      'Delayed financing' is an exception to traditional cash-out refinance guidelines for conventional loans.  It is a cash-out transaction involving a property that was purchased in the past 6 months.  For those that qualify ...

By Richard Woodward NMLS#217454, Service Beyond Expectations! Your Texas Lender
(Service First Mortgage, NMLS #166487)
Comments 0
Five tips that will set you apart as a family law attorney. If you include some or all of these five elements into your divorce settlements, you will set yourself apart from the majority of family law attorneys and CDFAs who do not know these principles of mortgage qualifying. As a certified divo...

By Reshawna Leaven, Hoping to be your Realtor® for Life!
(Keller Williams Realty)
Comments 1
40 iO by loanDepot - 40 Year Amortized Mortgage Loan with 10 Years of Interest Only PaymentsIt's a new loan program with loanDepot!A few highlights Eligible Properties: Condos, Townhomes, Single Family Homes Minimum Credit Score: 680 Loan Amount: Up to $2,000,000 Down Payment: 15% Maximum Debt To...

By Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent
(Berkshire Hathaway HomeServices PenFed Realty, Your Clarksville Real Estate Professional)
Comments 10
If you have been reluctant to explore buying because of the unknowns of getting a mortgage, then you should get informed. Take a couple of minutes to read this post and see that it isn't as scary as it may seem. With Golf and Mortgages: It's Important to Know the Rules There are a LOT of rules in...

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 April 28, 2017  Please enjoy this quick update on what happened this week in the housing and financial markets.    Political concerns in France had recently driven global investors to seek safety in bonds, helping rates. Fears have eased though, which is slightly worse for ...

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    ♦ Accelin Loans LLC 699-6991 NMLS#1574660       15-YR Fixed   2.750  1.250  2.830 30-YR Fixed   3.500  2.125  3....

By Chris and Berna Sloan, Tooele UT
(Group 1 Real Estate)
Comments 0
When a Tooele Home Loan is More Than a Mortgage Mortgage can be a source of cashThere may come a time when a Tooele home loan is more than a mortgage. Or at least you may want it to be. I’m not talking about the ability to continually use the equity in your home to borrow money against to fund to...