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How To Buy and Sell A Home, Mortgages and Credit!

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Category : Answers By EdGAR

What Are My Options If My Mortgage Is More Than My Home's Value?
     What do I do if my home value is less than my mortgage balance? Options include a loan modification program, a short refinance, a short sale, walk away, pay down mortgage with retirement funds, keep paying on time, call HopeNow.com, keep calling your mortgage company, create and present financial hardship to your lender.    Read Entire Article...

Should I Get A Personal Mortgage Insurance Policy
     Should I Get A Personal Mortgage Insurance Policy is a question asked by many first time home buyers and older repeat buyers. You may get a Personal Mortgage Insurance Policy but it is not necessary if you have enough coverage with your life insurance policy.   Read Entire Article...

Is Credit Counseling Better Than Debt Settlement To Qualify For A Mortgage
     Credit Counseling and Debt Settlement are not the same process. Debt Settlement and credit counseling both impact your ability to qualify for a mortgage but in different ways. Use Credit Counseling to reduce interest rates and use debt settlement to reduce debt. Use both to get out of debt to qualify for a home loan.   Read Entire Article...

My Credit Scores Are Less Than 580 - Can I Qualify To Buy A Home?
     Buying A Home With Credit Scores Less Than 580 Is Getting Difficult. FHA is your only option since most subprime mortgages are gone. Late payments and collections among other credit problems drop credit scores and keep mortgage lenders from qualifying home buyers with these problems. Here are suggestions for how to buy a home with lower scores.   Read Entire Article...

What Does GetPreQualified.com Do?
     What Is GetPreQualified.com? GetPreQualified provides mortgage, real estate, credit, and other home related topical education to home buyers and potential home buyers. Get Information, Products and Services related to buying and selling a home.   Read Entire Article...

Mortgage Reform Law To Eliminate AmeriDream and DPAP's
     AmeriDream and Nehemian and other non profit down payment assistance programs are eliminated by Housing and Economic Recovery Act of 2008, HR 3221. You can use a gift for down payment and closing costs if the gift is from a relative. Home builders, home sellers will have tougher time selling their homes.   Read Entire Article...

What Is A RELO Property?
     What Is A RELO Property? RELO is short for relocation. RELO Properties are owned by a RELO company, or real estate company, even employer for transferred employees. A home buyer should check with a real estate company's relocation department for good home buying deals. Employees should check with employer's HR department.   Read Entire Article...

Which Credit Score Is My Real Credit Score?
     Which Credit Score is My Real Credit Score? Many credit reporting companies, credit scoring systems, middle scores, median scores. Only real credit scores that count for a mortgage are from TransUnion, Equifax, and Experian.   Read Entire Article...

My Fiance Has Bad Credit Scores - Will They Hurt My Credit Scores?
     My Fiance Has Bad Credit Scores - Will They Hurt My Credit Scores? Getting married does not merge credit reports, credit scores, and credit histories. Credit scores are impacted when spouses become joint account holders and payments are missed. Missed payments will hurt credit scores.   Read Entire Article...

How Do I Start Buying a Home
     How Do I Start Buying A Home? Start with home search sites or get pre qualified first. Get A Mortgage first before you search for a home saves time, money, frustration, effort. Know what you can do with confidence then find a home.   Read Entire Article...

What Are Points? Should I Pay Points?
     What Are Points? Should I Pay Points? Paying points lowers your mortgage interest rate. Answer the question Do I Pay Points Or Not based on Money, Budget, and Time.   Read Entire Article...

What Happens If My Rate Lock Expires?
     What happens if my rate lock expires? If your rate lock expires you need to know what to do to protect yourself. Mortgage companies and mortgage lenders handle expired rate locks differently depending on company policy, interest rates, and who dunnit.   Read Entire Article...

What Is A Fraud Alert? How To Do A Fraud Alert?
     What Is A Fraud Alert? How To Do A Fraud Alert? Both important consumer credit protection measures to take to help prevent ID - Identity Theft. Place a fraud alert on your credit report if you want to protect your credit and identity.   Read Entire Article...

What To Do If My Mortgage Balance Is More Than Home Is Worth
     What to do if my mortgage balance is more than home is worth. Many homeowners face homes values less than mortgage balances. FHA Secure, refinance while subordinating a second mortgage are options.   Read Entire Article...

What is Fannie Mae?
     What is Fannie Mae? FNMA? Fannie Mae buys and sells mortgages on the secondary mortgage market not directly from consumers. Fannie Mae is out to ensure affordable housing opportunities for all home buyers in the U.S. News of U.S. Federal Treasury and Fannie Mae and Freddie Mac   Read Entire Article...

How Can I Publish Articles on GetPreQualified?
     How can I publish articles on GetPreQualified? Follow our publishing and editorial guidelines and publish articles on real estate, mortgages, credit, debt settlement, debt negotiation, fixing credit, credit cards, cars, going green around the home, home solar solutions, and other home related topics.   Read Entire Article...

My Credit Is Bad Because I Had A Divorce - Can I Get A Mortgage?
     Can I get a mortgage since my credit is bad because I had a divorce. FHA Home Loans are the best option. A flexible, common sense way to buy a home with less than perfect credit.   Read Entire Article...

I Am Self Employed With Tax Write Offs - How To Calculate Income
     To qualify for a mortgage how do self employed small business owners with tax writeoffs calculate their income? Buying a home while self employed is harder than it used to be if you do not have much money in the bank and you write everything off.   Read Entire Article...

What Is Debt Settlement?
     What is Debt Settlement? Debt settlement is not debt management or CCCS, it is settling collection accounts and charged off creditor accounts. Accounts are typically settled for less than originally owed.   Read Entire Article...

What Is Consumer Credit Counseling Services - CCCS?
     What is Consumer Credit Counseling Services, CCCS? CCCS is counseling services to help consumers get out of credit card and unsecured debt fast. Typically companies are members of national associations that govern their activities and ethics.   Read Entire Article...

How Do I Get Rid Of PMI On My Mortgage?
     How to get rid of PMI, Private Mortgage Insurance, on my mortgage is a common question in the mortgage industry. PMI will stay on your mortgage for at least two years, among other conditions.   Read Entire Article...

Is Closing Old Credit Card Accounts Bad?
     Closing old credit card accounts can hurt more than help your credit scores. Credit scores do not count closed credit card accounts and your debt to limit ratio can be negatively impacted to lower your credit scores.   Read Entire Article...

How Can I Find An FHA Lender With The Lowest Closing Costs?
     Find an FHA lender with the lowest closing costs. Start with knowing what closing costs to expect then shop for a FHA licensed mortgage lender or mortgage broker.   Read Entire Article...

What Is The Best Mortgage For Recent Debt Management Program?
     The best mortgage program following a recent debt management debt settlement program is an FHA loan. Teacher loans may work from Fannie Mae and Freddie Mac.   Read Entire Article...

Buy A Home After Bankruptcy - With Co Signer Or Wait
     I want to buy a home after bankruptcy. Can I buy it with a co-signer or will I have to wait? Buying a home after bankruptcy - several options. Wait or have someone else buy home for you and you rent from them.   Read Entire Article...

Should I Pre Qualify With My Husband As First Time Buyers?
     My husband has a lot of debt, should we try to buy our home together? We are first time buyers and want to buy our first home, but don't know what to do.   Read Entire Article...

Buying an Investment Property Different From Buying a Home?
     The process of buying an investment property is similar to that of buying a home to live in. There are some differences in how you qualify for an investment property and the loan will be more...   Read Entire Article...

Sample Pre-Approval Letter and Advice On Sales Contract
     Answers to frequently asked mortgage and sales contract questions about pre-approval letter and advice on making an offer to a home seller. Bonus information about getting pre-approved.   Read Entire Article...

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How To Buy and Sell A Home, Mortgages and Credit!