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- 11/16/07 02:34 AM
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art best: How Mortgage Rates Effect Minorities
- 11/09/07 05:16 AM
NEWS you can USE! The information in this article was researched through data collected under the Home Mortgage Disclosure Act (HMDA). The data came from the 8,850 lenders covered by the act and involved over 30.2 million home loan applications.
The reason behind the article was to determine patterns in high-priced lending. High-priced loans are described as those with an interest rate that is higher by a certain number of basis points above a threshold amount defined by Regulation C of the HMDA. The mortgage market has changed a lot over the last decade and this has impacted the level of higher-priced loans in … (1 comments)
art best: Step One ~ Calulating Your Monthly Income
- 11/07/07 02:38 AM
How Much House Can You Afford? Step One - Calculating Your Monthly IncomeWhen a loan officer prequalifies you, he/she works backwards to figure your maximum mortgage amount. You can do the same thing. The first step is to determine your monthly income. It isn't quite as easy as it sounds. Lenders only count income they can document through paperwork.If you are a salaried employee, and don't earn bonuses, it's easy. Get out your paycheck. If you get paid twice a month, multiply by two. If you are paid every two weeks, then you multiply by 26 (the number of pay periods in … (0 comments)
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- 11/05/07 02:42 AM
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