Published 19 January 2020 It all began following the collapse of the housing market. The same Congress that, over the years, systematically deregulated the financial industry to the point where underqualified buyers were allowed to purchase homes they couldn’t afford, spun a 180 and imposed new regulations designed to prevent similar occurrences in the future.
Read MorePublished 29 December 2019 As 2019 comes to an end, many of us will begin thinking about our New Year’s resolutions. Some will pledge to lose weight, while others will strive to spend more time with family or find a better job. A scant few will vow to accelerate the pay off of their mortgage.
Read MorePublished 17 March 2019 When young renters Mark and Sylvia decided to make the transition from tenants to home owners, they had a fairly good idea that past credit indiscretions would make it difficult for them to qualify for a mortgage. After discussing their plight with a mortgage lender, they were disappointed to learn that
Read MorePublished 3 February 2019 With lots of home sales come lots of new mortgages. And with each of those new mortgages come lots of monthly payments — 360 in the case of a typical 30-year loan. Each of those monthly payments is made up of multiple components; such as principal and interest, reserves for taxes
Read MorePublished 30 December 2018 As 2018 comes to an end, many of us will begin thinking about our new year’s resolutions. Some will pledge to lose weight, while others will strive to spend more time with family or find a better job. A scant few will vow to accelerate the payoff of their mortgage. Paying
Read MorePublished 23 December 2018 When Las Cruces renters Steve and Mari decided to purchase a home, their first hurdle was to research their financing options. What size down payment will they need? Will there be closing costs? How much income will they need to qualify? And the big question: Which lenders offer the lowest combination
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