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55What is a Credit Report?
When you apply for a loan or mortgage, the creditor will check your credit report. It is a good idea to regularly check your credit report for errors and so that you know if there are any problems before someone important runs your credit.
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56Private Mortgage Insurance
Mortgages are important tools for people who can not afford to buy a home upfront. Most lenders require Private Mortgage Insurance for borrowers who do not have a 20% down payment.
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63What is a Credit Score?
Credit scores are a numeric value that is used by lenders to evaluate whether to offer someone a line of credit or mortgage. They were originally developed over fifty years ago to help provide a non-discriminatory way of evaluating whether a person is credit worthy.
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61What Type of Information is on a Credit Report?
The first time you look at a credit report, it can be rather confusing, but it doesn't have to be if you break the credit report up into logical sections.
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66Home Equity Loans and Home Equity Credit Lines
Buying a home offers a number of tax advantages and also means that you are investing in actually owning something. As you begin to pay for a home, you build equity in the home, which you can use to get a home equity loan, but it is important to be careful with this type of credit product...
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70The Advantages of a Down Payment When Buying a Home
Many people who got in trouble during the current financial crisis had a subprime no money down mortgage that quickly became unaffordable. Now, most lenders are much more strict with their lending, requiring a more traditional down payment, which not only benefits the lender, but also the borrower.
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58Understanding Subprime Mortgages
A number of financial experts blame much of the financial crisis on subprime mortgages. While these mortgages certainly contributed to our current financial problems, they were only a part of the problem.
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72Understanding the 2009 First Time Home Buyers Tax Credit
For people who have not owned a home in the last three years, the US Government is currently offering a tax incentive program. Up to $8,000 is available to new homeowners, which will not need to be paid back.
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