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     Buying Your First Home Memories and Money Await You   First-time homebuyers (FTHB) are taking advantage of one of the best real estate environments we have ever seen. Home affordability this year has been at an all time high with low interest rates and declining home prices. However, buyers...
Mortgage Rate Update 15-Year Fixed Rate Loans A 15-Year Fixed Rate loan works well for borrowers who are nearing retirement and want to be debt-free when they get there. Because payments in a 15-year scenario are amortized over half the length of a 30-Year Fixed Rate loan, the monthly payments w...
FHA Appraisal and Lender Eligibility UpdateExplained by Jeff Mifsud, this update contains the pertinent changes to Appraiser and Lender Eligibility guides as outlined in Mortgage Letters 2009-28, 29, 30 and 31. Here are the 8 things you need to know about these changes: Appraisers Changes are eff...
Contingencies in real estate contracts In real estate contracts the contingency is a common element. Contingencies are clauses in a contract that give either the buyer or seller a way to get out of the contract if certain conditions or timelines aren't met.  A commonly used example is that of a b...
ARM Indexes: A 10-Year Comparison   Karl Peidl Accredited Loan Consultant Lincoln Mortgage Company 251 Bellevue Avenue, Suite 102 Hammonton, NJ 08037 609-878-7013 kpeidl@linc-mort.com www.karlpeidl.com   Licensed Mortgage Banker, NJ Department of Banking and Insurance. Licensed Mortgage Banker N...
The Home Buyer Checklist identifies some of the important factors to consider when choosing a home. In addition to an affordable sales price, you will also want to be sure that the neighborhood and house meet the needs of your family. Take this checklist along when you go shopping for your house....
Mortgage Rate Update &Choosing a Fixed Rate Loan Fixed rate loans generally come with one of two options; the 30-Year Fixed and the 15-Year Fixed. If a borrower is planning on being in the same home for a long period of time, a 30-Year Fixed may be more attractive because it offers stability. Th...
Bi-Weekly Mortgage Payment Programs: The Truth Revealed A Bi-Weekly Mortgage is a mortgage where you make "half payments" every two weeks, rather than one payment per month. This results in making the equivalent of 13 monthly payments per year, rather than 12, significantly reducing the time it ...
First-time Homebuyers   Your decision to buy a home is both a sound financial decision and a commendable achievement. Below we have listed 12 things you must do to prepare. 1. Check the selling prices of comparable homes in your area. Web sites like Zillow and Homegain can give you a general idea...
  Refinancing in Galloway, NJ Shopping for the Right Mortgage Finding a mortgage that's right for you should be easy. But there are often many different programs to choose from, as well as a myriad of ways to structure the loan in terms of the amount, term, payment, rate, closing costs...the lis...

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