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Articles about Mortgages
 
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Equity Used For Down Payment
My husband and I want to buy a home being built in a new development. Our present home worth $260,000 has no mortgage except a $30,000 home equity loan. We need about $15,000 down payment for the home being built. Should we open a home-equity line of credit to pay the down payment? If not, where is the best place to get the $15,000?
 
Second Mortgage Rate and APR
Scott, Why is it a different price for the quoted loan interest rate, my mortgage company Quicken Loans, quoted me 6.55 on a second. Then when I get the papers to sign, the APR fair credit paper states 7.1 for the interest rate. Is the mortgage company trying to be dishonest and not really give me the rate quoted? I don't understand; please help me. Thank you! Pam
 
Equity Issues
Scott, Problem is, our 2nd mortgage is a LOC and the APR is drowning us! We want to pay off the LOC and our credit card debt and have some cash to invest in renovations. We are a single income family and as far as debt to income ratio is concerned, we're not looking so good. What to do? Alison
 
Household Math™: Semiannual Mortgage Payoff
I purchased property for $27,515.00 at 7.5% for 8 years on a semiannual payment of $2318.00, the first year three payments were made of $2,318.00; we have paid three years so far. This year, on our due date, we would like to payoff the mortgage. What will the amount due be?
 
How Do You Get that Loan Formula?
Scott, I read with interest your article, Amortized Loans. At the end of the article you indicate the explanation of how to derive the formulae as being covered in another article.  Can you please tell me where I can find this?  Thank you very much, Luke
 
Household Math™: Mortgage Math
The balance on my mortgage today is $59,200. The interest rate is 7% APR and the monthly payment is $623.00. What will the balance on the mortgage next month after that monthly payment?
 
Managing Your Mortgage
Gary, When I send in my mortgage payment and I send in more than the minimum amount, the return payment stub asks whether I would like the additional payment to go towards escrow or principal. Which direction would be the best? Jim
 
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