 Category :: Real Estate Articles |
Author :: Tony Robinson  |
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| Article Title :: What about Taxes and Your Second Mortgage? |
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For the average consumer who has managed to acquire credit card
debt, automobile loans, and various other small debts, is the
second mortgage loan an answer for the consolidation of debt and
a tax reduction? Quite often the answer to this question is yes.
Second mortgages that have traditionally been used in areas of
home improvement, funding college educations or business
startups are now being considered as a means to eliminate or
consolidate high-interest credit card debt and create a tax
deduction at the same time.
For the average consumer, using second mortgage loan money to
pay off credit card debt or to consolidate individual personal
loans does not eliminate the possibility of a ta (read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Robinson |
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| Article Title :: What's a 125? |
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Let's start this article with a simple question, what is a 125?
No it's not the speed limit of the Audubon, nor is at the
calorie count on a Snickers bar; today, it is the amount of
money you may borrow against your home. Does this seem to make
sense to you? That the lender would loan you more money than the
home is actually worth? It doesn't make sense to me either. But,
it doesn't have to make sense. The 125 is an actual loan product
being offered to the consumer today as enticement to borrow
money from a particular lender. In today's market of racing real
estate prices and the extremely low interest rates offered by
mortgage lenders, the 125 has become a popular product.
You may have ev (read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Robinson |
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| Article Title :: Short-Term Homeowners and Interest Only Loans |
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Let's assume that you're one of the new age consumers, who fit
into the fastest growing segment of the mortgage market today,
the interest only mortgage. It is time to you to secure a
mortgage, and there are several loan options that can be tied to
the features you desire; you're particularly interested in the
interest only feature that seems so appealing to many consumers
today. But have you stopped to question why the interest only
feature has become so popular with consumers today? Are you
aware that it is a re-born feature laid to rest in the great
depression of the 20s?
Have you stopped to examine the purpose of the interest only
loan and what purpose it will serve in your particular
(read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Robinson |
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| Article Title :: Second Mortgages: Friend or Foe? |
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Great news! You qualify for a second mortgage. Now what would
you like to do with the second mortgage? It will be your answer
to this question that determines whether or not your second
mortgage is your friend, or your foe. That seems to be an
awfully strange way to look in a second mortgage; however that's
exactly what the mortgage will be your friend or your foe.
How do you even qualify for a second mortgage, what is a second
mortgage, and why would you want a second mortgage? Well, the
answers here are as varied as the consumers who apply for such
mortgages. Many times consumers need a second mortgage to make
improvements on their home. Many times consumers need a second
mortgage to put (read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Robinson |
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| Article Title :: Reverse Mortgage Loans |
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If you were to ask the average consumer to define the reverse
mortgage concept, you would find very few able to do so. Many
consumers, especially those who aren't up on their mortgage
products and their availability will never have heard of a
reverse mortgage, much less able to explain the concept. But it
may just be one of the best financial planning tools available
to many seniors and those reaching retirement age. As many
individuals reach retirement age, their fixed incomes simply
aren't adequate. They aren't receiving enough through social
security or a pension fund to take care of the rising costs of
living and the medical attention many older citizens must have.
So what is the soluti (read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Robinson |
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| Article Title :: Retirement and the Mortgage Loan |
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There is an untapped reserve of cash in our homes; it's the
equity we've built into our homes over the life of the mortgage,
or simply in owning our own home. If you're looking for a great
financial tool, learning to use the equity in your home to its
fullest extent is something we Americans aren't very good at
accomplishing. Fear of a loss is the number one reason we don't
utilize our equity asset. But, if you will take the time to
investigate many of the investment options available to us, the
risk is minimal, and the return is great. Especially now during
this period of extremely low interest rates, your home's cash
equity could be earning you a return of 18-20% in certain
investment fun (read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Robinson |
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| Article Title :: Real Estate and Mortgage Loans: The Circle of Growth |
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In case you haven't noticed the mortgage market and the real
estate market have been blazing a trail into the record books.
Never before has there been such explosive, sustained growth of
these two markets. The key factor here is that one seems to feed
off the other. Is this a good thing, or are the two markets
headed for a collapse?
You have analysts that will argue for either side. But, you need
to have a better understanding of how this process works, and
what elements have come together to allow this kind of growth,
before you can accept or disprove either argument. What has
happened to spur this kind of growth? Well, there are several
key factors that managed to come together at preci (read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Robinson |
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| Article Title :: Private Mortgage Insurance, Who Pays? |
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Chances are unless you're right in the throes of purchasing your
home, you've never even heard of private mortgage insurance.
But, if you intend to purchase a home and you don't want put the
20% down that traditional lending institutions require, you're
going to become very familiar with private mortgage insurance.
What is private mortgage insurance and who pays for private
mortgage insurance? This article will take the opportunity to
discuss private mortgage insurance and why you're required to
purchase it; we'll also examine the latest federal regulations
governing private mortgage insurance.
Let's first define what private mortgage insurance actually is,
and why you might be required to (read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Robinson |
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| Article Title :: PMI and the 1998 Homeowner's Act |
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Let's first define what private mortgage insurance actually is,
and why you might be required to purchase the insurance. Private
mortgage insurance is an insurance purchased to protect the
lender, not the borrower. The borrower however pays for the
mortgage insurance, and this is provided to the lender instead
of the 20% down payment normally required when purchasing real
estate. The insurance provides the difference between the fair
market value of the home and the actual price a lender may be
able to sell the property for, in case of a default on the loan.
Normally, the lender will require a 20% down payment and forgo
the private mortgage insurance option. However, under certain
circumsta (read full article) |
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| Category :: Real Estate Articles |
Author :: Tony Sena |
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| Article Title :: Sun City Las Vegas - For the Golden Folk |
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Las Vegas real estate, despite what prophets of doom are
predicting, continues to boom. Certain regions may not be
experiencing a sharp increase in price but overall the demand
continues. There are several different kinds of investors in
real estate in the Las Vegas region. Young families, vacationers
and retirees are the most significant (that doesn't really leave
any age group out, does it?) For each of these segments there
are specific communities or types of real estate. The vacationer
who is investing in Las Vegas may be more likely to pick a condo
nearer the strip.
However, active senior citizens are serious about relocating
here for the popular reasons. Las Vegas retirement communi (read full article) |
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