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  • Government load programs
    • Federal Housing Administration (FHA)
      • Which lenders offer FHA loans?
      • What are rates for FHA and VA loans?
      • Rules for an FHA Loan?
      • How does FHA work?
      • How do you find government-repossessed homes?
      • Do you have to buy HUD homes through a realty agent?
      • Do FHA loans require impound accounts?
      • Can I get a HUD home for as little as $100 down?
      • Are there programs for fixer-uppers?
      • Are there gov't programs for rehab?
      • Are FHA loans assumable?
      • Are FHA loans assumable?
    • Mortgage Credit Certificates
      • What is the Mortgage Credit Certificate program?
      • What are the rules for mortgage credit certificates?
      • Are there tax credits for first-time home buyers?
    • State Programs
      • Do states offer help to home buyers?
    • Veterans Administration
      • Who can get a VA loan?
      • Where do I get information on VA loans?
      • Where do I get information on mortgages?
      • What if a VA loan is foreclosed on?
      • What are VA programs?
      • What are rates for FHA and VA loans?
      • How does someone qualify for VA loans?
      • Do all loans require impound accounts?
      • Can National Guard vets, and other reservists, get VA loans?
    • Whom to Contact
      • Where do I get information on who regulates lenders?
      • Where do I get information on VA loans?
      • Where do I get information on the secondary market?
      • Where do I get information on finding the best loan?
      • Where do I get information on correcting loan payments?
      • Where can I get a list of mortgage brokers?
  • Home loan options
    • 15, 30 & 40 Year Loans
      • What about splitting my mortgage in two and paying bi-weekly?
      • What about a 15-year v. 30 year loan?
      • Are 40-year mortgages a good idea?
    • All Cash
      • What about an all-cash offer?
    • Alternative (A,B,C,D) Loans
      • What are the risks of "b" and "c" loans?
    • Assumable Loans
      • How do you find out if a loan is assumable?
      • Are FHA loans assumable?
    • Easy-Qualifier Loans
      • What are no-doc loans?
      • Can someone who is unemployed get a loan?
    • Lease Options
      • Where do I get information on lease options?
      • What is a lease option?
      • How do lease options work and what are the benefits?
    • Low-Cost Loans
      • What about these ads for no-cost loans?
      • Is there such a thing as a no-cost or no-fee loan?
    • Low-Down Loans
      • Who do I call for a low-down-payment loan?
      • Where do I get information on PMI?
      • What is Fannie Mae's low-down program?
      • What is a low down payment?
      • Should I put more or less down, if we can afford it?
      • Is PMI always required on low-down home loans?
      • How do some of these low-down programs work?
      • How can Fannie Mae help a home buyer?
      • Do states offer help to home buyers?
      • Do I have to disclose a parent's gift?
      • Can I get a HUD home for as little as $100 down?
      • Are there low-down-payment home loans?
      • Are there alternatives to low-down-payment loans?
    • No Money Down
      • What about nothing down?
      • Is equity sharing a good idea?
      • Are there no-down payment home loans?
    • Reverse Annuity Mortgages (RAMs)
      • What is a reverse mortgage loan?
    • Seller Financing
      • What is seller financing?
      • What are the benefits of seller financing?
      • How are the rates set for seller financing?
    • Whom to Contact
      • Where do I get information on PMI?
      • Where do I get information on mortgages?
      • Where do I get information on lease options?
      • Where do I get information on finding the best loan?
      • Where do I get information on correcting loan payments?
      • Where can I get a list of mortgage brokers?
  • Other mortgage considerations
    • Appraisals & Market Value
      • How is a home's value determined?
    • Fannie Mae
      • Who is Fannie Mae?
      • What is the Community Home Buyers program?
      • What is Fannie Mae's low-down program?
      • How can Fannie Mae help a home buyer?
      • Are there Fannie Mae programs for inner cities?
    • Interest Rates
      • Where can I get adjustable-rate loan info?
      • Where are interest rates headed?
      • What is the value of a mortgage lock-in?
      • What is APR?
      • What are the most popular ARM indices?
      • What are rates for FHA and VA loans?
      • How do you get a low-interest rate loan?
      • How do you choose between fixed and adjustable rates?
      • How do adjustable-rate loans change?
      • How are the rates set for seller financing?
      • Are interest rates negotiable?
    • Lock-ins
      • Where do I get information on lock-ins?
      • What is the value of a mortgage lock-in?
      • How do you lock in an interest rate?
      • Do you advise a lock-in on a home loan?
    • Negative Amortization
      • When is a negative-amortization loan a good idea?
      • What is negative amortization?
      • Can I convert a negative-amortization loan to a regular loan?
    • Prepayment
      • What are the benefits of pre-paying the mortgage?
      • What about splitting my mortgage in two and paying bi-weekly?
    • Refinancing
      • Where do I get information on refinancing?
      • When is the best time to refinance?
      • Can I refinance after bankruptcy?
    • Whom to Contact
      • Where do I get information on who regulates lenders?
      • Where do I get information on refinancing?
      • Where do I get information on mortgages?
      • Where do I get information on lock-ins?
      • Where do I get information on finding the best loan?
      • Where do I get information on correcting loan payments?
      • Where can I get a list of mortgage brokers?
  • Qualifying
    • Bankruptcies & Foreclosures
      • What options are there after Chapter 11?
      • What can I do if I have bad credit?
      • How long do bankruptcies and foreclosures stay on a credit report?
      • How do you clear up bad credit?
      • How bad is a previous foreclosure on credit?
      • Can I refinance after bankruptcy?
      • Can I refinance after bankruptcy?
    • Credit
      • Will bad credit prevent someone from getting a home?
      • Where do I get information on consumer credit laws?
      • Where do I get a copy of my credit report?
      • What if there is a credit reporting mistake on my report?
      • What exactly is bad credit?
      • What do I do if I get turned down for a loan?
      • What do I do about bad credit?
      • How long do bankruptcies and foreclosures stay on a credit report?
      • How do you clear up bad credit?
      • How do I find out what my credit report says?
    • Parent Gifts & Loans
      • What is a gift letter?
      • Do I have to disclose a parent's gift?
    • Prequalifying & Preapproval
      • What is the first step when looking for a home loan?
      • What do I do if I get turned down for a loan?
      • What can I afford?
      • How do you qualify as a first-time buyer?
    • Private Mortgage Insurance (PMI)
      • What is PMI?
      • What does PMI cost?
      • Is PMI always required on low-down home loans?
      • How do I drop PMI?
    • Whom to Contact
      • Where do I get information on who regulates lenders?
      • Where do I get information on mortgages?
      • Where do I get information on finding the best loan?
      • Where do I get information on consumer credit laws?
      • Where do I get information about housing discrimination?
      • Where do I get a copy of my credit report?
      • Where can I get a list of mortgage brokers?

Question & Answer

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