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LENDING Reference Articles:

FHA Lending in the State of Massachusetts
FHA mortgage loans are an excellent source of financing in the State of Massachusetts. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fanni

http://www.brokeroutpost.com/reference/112658.htm (Updated: 10/12/2008)
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FHA Lending in the State of North Carolina
FHA mortgage loans are an excellent source of financing in the State of North Carolina. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fann

http://www.brokeroutpost.com/reference/112649.htm (Updated: 10/12/2008)
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Improving Credit History
Improving your credit history is basically about doing the opposite to that which caused you to get a bad credit history in the first place. You got a bad credit history by not making good the debt

http://www.brokeroutpost.com/reference/230469.htm (Updated: 09/09/2008)
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Tougher Mortgage Lending Guidelines
Why have mortgage lenders tightened their guidelines so much? Can I still buy a home with zero or no money down? Will I be able to refinance with the tougher mortgage lending guidelines? I am not able

http://www.brokeroutpost.com/reference/199218.htm (Updated: 06/23/2008)
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FHA Lending in the State of Pennsylvania
FHA mortgage loans are an excellent source of financing in the State of Pennsylvania. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fannie

http://www.brokeroutpost.com/reference/112653.htm (Updated: 02/08/2008)
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Reserves and Assets
When applying for a mortgage, whether you fall into the conforming or sub-prime lending criteria, many lenders require that you at least state, and may even ask you to verify reserves and assets held

http://www.brokeroutpost.com/reference/63627.htm (Updated: 10/19/2007)

Best Fixed Rate
The best Fixed Rate refinance is not always going to be the quote with the lowest rate. When refinancing an adjustable rate mortgage, or ARM loan, to lock in a low fixed rate, a variety of other fact

http://www.brokeroutpost.com/reference/109736.htm (Updated: 10/09/2007)
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Million Mortgage Loan
$1 Million Mortgage Loan to $40 Million Mortgage Loan programs are referred to in the lending industry by the terms "super jumbo mortgage" or even "mega jumbo loan" Jumbo mortgages are loans which

http://www.brokeroutpost.com/reference/128780.htm (Updated: 10/09/2007)
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FHA Lending in the State of Florida
FHA mortgage loans are an excellent source of financing in the State of Florida. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fannie Mae

http://www.brokeroutpost.com/reference/112661.htm (Updated: 09/15/2007)
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Real Estate Appraisal
A real estate appraisal is an opinion of value of a certain property. The appraisal is used, and usually required, in the mortgage process. Lenders want to know how much your home is worth, so they

http://www.brokeroutpost.com/reference/26478.htm (Updated: 09/06/2007)
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Fico Scores Below 500
Sometimes bad things happen to good people in unfortunate circumstances such as medical situations and family emergency's. During these tough times it's not uncommon to have some bills go unpaid and p

http://www.brokeroutpost.com/reference/59714.htm (Updated: 09/05/2007)

Hard Money
Hard Money lending is popularly used by individuals who do not fit within the parameters of the conventional lending industry, or whose needs are highly specialized. Hard Money loans are often referr

http://www.brokeroutpost.com/reference/100037.htm (Updated: 09/05/2007)
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Best Place To Get A Mortgage
So where is the best place for a person to get a mortgage loan from? This is one of the most common questions asked by consumers today due to the wide variety of different types of mortgage lending in

http://www.brokeroutpost.com/reference/153801.htm (Updated: 08/31/2007)
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Credit Score Under 620
If you are looking to purchase a home or considering refinancing your home and have a credit score under 620, there are still many options available to you. Despite the subprime meltdown, there are s

http://www.brokeroutpost.com/reference/157422.htm (Updated: 08/31/2007)
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Luxury Home Loans
If the mortgage loan you are seeking exceeds $1,000,000, it will be best to seek assistance from a mortgage professional that specializes in large loan limits and guidelines. As a Luxury Loan Special

http://www.brokeroutpost.com/reference/36274.htm (Updated: 08/30/2007)
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Jumbo Home Loan
Getting home financing for a jumbo home loan is not always easy. The perameters and lending guidelines become more strict- assuming the borrower has more of an ability to afford a larger home mortgage

http://www.brokeroutpost.com/reference/23850.htm (Updated: 08/14/2007)
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My mortgage financing fell through! Now what?
Because of recent and ongoing changes in the mortgage marketplace some home buyers are getting left out in the cold. The process of shopping for a home is often a 30 day or more experience. In today

http://www.brokeroutpost.com/reference/152058.htm (Updated: 08/13/2007)
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Getting a Mortgage after a Bankruptcy
Traditional mortgage financing dictated lending after seven to ten years after a bancruptcy. Today, a mortgage can be obtained after only 1 day from release.

http://www.brokeroutpost.com/reference/19682.htm (Updated: 07/17/2007)

Lending Tree Loans
Lending Tree is a accumulator or mortgage leads. Mortgage companies pay to be listed in their directory for those who are shopping for a mortgage.

http://www.brokeroutpost.com/reference/128749.htm (Updated: 06/24/2007)
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Am I getting a good deal?
If you're concerned about whether you're getting a good deal or not, one thing to look at is your interest rate. If you have perfect credit, you should be getting the best interest rates. Where

http://www.brokeroutpost.com/reference/55382.htm (Updated: 06/19/2007)
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Can I buy a home with no down payment?
You can still buy a home with no down payment even though many lenders have tightened up their guidelines on lending to buyers who do not have the available funds for a down payment. There are also a

http://www.brokeroutpost.com/reference/126254.htm (Updated: 06/12/2007)
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Predatory Lending
To take predatory lending laws even a step further than at the national and the state level, some cities throughout the country have enacted their own predatory lending laws. The city of Cleveland for

http://www.brokeroutpost.com/reference/23683.htm (Updated: 06/07/2007)
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LIBOR
LIBOR is the London Interbank Offered Rate. LIBOR is the rate charged by one bank to another for lending money. The LIBOR is an international index that follows world economic conditions. LIBOR-indexe

http://www.brokeroutpost.com/reference/20299.htm (Updated: 05/31/2007)

Reserves Explained
In the mortgage business, the word "reserves" has more than one meaning. It can refer to the monies (assets) required by the lending bank - to be on hand in the borrowers deposit accounts at the time

http://www.brokeroutpost.com/reference/21147.htm (Updated: 05/29/2007)
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100% Financing
Today’s lending market is far more lenient with home loan financing than in times past. The ability to borrower up to 100% of the home's value would have been un-thought of 20 years ago.

http://www.brokeroutpost.com/reference/23852.htm (Updated: 05/29/2007)
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Heloc Rates
HELOC's are loans that are fully indexed at the Prime Lending Rate plus an additional number of interest points depending on what the borrowers credit score is.

http://www.brokeroutpost.com/reference/128753.htm (Updated: 05/29/2007)
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Quiken Loan
Quiken Loans Corporation is the largest online retail home mortgage lending firm in the US, according to National Mortgage News and the 11th largest lender in the United States.

http://www.brokeroutpost.com/reference/128756.htm (Updated: 05/29/2007)
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Mortgages for self-employed
Can I get a mortgage if I am self-employed is a very common question asked by borrowers. The answer to that is definitely; yes you can. Most lending institutions will require that you have proof of tw

http://www.brokeroutpost.com/reference/24707.htm (Updated: 05/28/2007)
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Fixed Rate Refinance
Why should you consider a fixed rate refinance for your current ARM Adjustable Rate Mortgage? If you aren't concerned with rising adjustable mortgage rates, there's a good chance you should be. Adjus

http://www.brokeroutpost.com/reference/104649.htm (Updated: 05/28/2007)
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Lending Tree Mortgage
Lending tree is not a mortgage company nor are they a lender nor a broker of loans. Lenders and Brokers pay a monthly fee that is usually passed onto borrowers in the form of higher rates and fees to

http://www.brokeroutpost.com/reference/128750.htm (Updated: 05/27/2007)
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Luxury Home Loan Financing
Loan amounts for luxury homes can range from the mid $500,000 to $25,000,000 dollars or more. The higher the loan amount, the lesser the pool of available lending institutions.

http://www.brokeroutpost.com/reference/38997.htm (Updated: 05/26/2007)

ARM - Index
ARM loans, or Adjustable Rate Mortgages almost all have a feature which can greatly affect how much your monthly mortgage payment or mortgage rate may increase after the introductory fixed rate period

http://www.brokeroutpost.com/reference/105909.htm (Updated: 05/26/2007)
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What is subprime lending?
What is subprime lending is a very common question at this time? Subprime lending mainly deals with borrowers who have less than perfect credit, blemished credit or are in need of non-traditional mort

http://www.brokeroutpost.com/reference/126252.htm (Updated: 05/23/2007)
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Subprime lending
A type of mortgage lending intended to serve borrowers who do not qualify for prime loans because of credit problems or a limited credit history.

http://www.brokeroutpost.com/reference/11074.htm (Updated: 05/14/2007)
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COSI loan
The COSI Loan (also known as the COSI Mortgage) is an adjustable payment (not rate!) loan that uses a Cost of Savings Index (COSI) of the lending bank.

http://www.brokeroutpost.com/reference/123051.htm (Updated: 05/12/2007)
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Can I Still Buy a House Even With Bad Credit
If you are considering buying a new home and are concerned about your bad credit there are still options available for you as a first time home buyer. The recent cutbacks in sub prime lending has left

http://www.brokeroutpost.com/reference/122309.htm (Updated: 05/09/2007)
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FHA Lending in the State of Virginia
FHA mortgage loans are an excellent source of financing in the State of Virginia. FHA loans are a government insured loan that offer many unique benefits. With purchase money financing with just 2.25%

http://www.brokeroutpost.com/reference/112659.htm (Updated: 04/27/2007)
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FHA Lending in the State of Maryland
FHA mortgage loans are an excellent source of financing in the State of Maryland. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fannie Mae

http://www.brokeroutpost.com/reference/112654.htm (Updated: 04/27/2007)
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How much do I have to make to afford a home
There really is no set income level you need to achieve in order to buy your first home. The lending companies have set guidelines so no matter what your income level you are not going to be in financ

http://www.brokeroutpost.com/reference/26011.htm (Updated: 04/12/2007)
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FHA Lending in the State of Connecticut
FHA mortgage loans are an excellent source of financing in the State of Connecticut. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fannie

http://www.brokeroutpost.com/reference/112660.htm (Updated: 04/09/2007)
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FHA Lending in the State of Delaware
FHA mortgage loans are an excellent source of financing in the State of Delaware. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fannie Mae

http://www.brokeroutpost.com/reference/112650.htm (Updated: 04/07/2007)
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Annual Percentage Rate
The annual percentage rate (APR) is an interest rate that is different from the note rate. It is commonly used to compare loan programs from different lenders. The Federal Truth in Lending law require

http://www.brokeroutpost.com/reference/63576.htm (Updated: 02/27/2007)
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Credit Counseling and Mortgages
Credit counseling in lieu of filing bankruptcy has helped many Americans out of their financial issues. Today, there are lenders who are comfortable lending money with a borrower who is currently in

http://www.brokeroutpost.com/reference/19684.htm (Updated: 01/03/2007)
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Why Pay Retail?
Many home owners looking to improve their situation by calling their local bank. They are quoted rates that are specifically targeted to the homeowners themselves. This is very similiar to prices li

http://www.brokeroutpost.com/reference/21777.htm (Updated: 11/08/2006)

What determines my interest rate?
There are a great number of factors that affect the interest rate that you will receive on your mortgage loan. Lenders base the interest rate on how much risk you represent to them. They are lending

http://www.brokeroutpost.com/reference/26706.htm (Updated: 08/10/2006)
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How to read a Truth-In Lending(TIL)
The Truth-In-Lending Disclosure is a document that is questioned by borrowers the most. This is because the rate stipulated on the Truth-In-Lending is higher than the interest rate the borrower has be

http://www.brokeroutpost.com/reference/37682.htm (Updated: 05/22/2006)
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What does the TIL (Truth-in-Lending) tell me?
The TIL is the Truth-in-Lending statement that you will be provided by your loan officer within three days of applying for a loan. It’s almost always provided along with the Good Faith Estimate (GFE)

http://www.brokeroutpost.com/reference/30726.htm (Updated: 04/20/2006)
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Comparing Closing Costs
Obviously, a great way to compare closing costs is to compare the GFE (Good Faith Estimate) provided by your mortgage originator. Many times it will still be hard to tell who has the best deal. Anothe

http://www.brokeroutpost.com/reference/20343.htm (Updated: 03/30/2006)

The Lending Process
The Lending process starts with interest from the borrower in either buying a home or refinancing. When thinking about buying a home many people start to look for houses first. The first step should

http://www.brokeroutpost.com/reference/13642.htm (Updated: 02/19/2006)

Appraisal
In most cases, lenders require a professional, independent appraisal of the property you want to buy or refinance to ensure that it is worth at least as much as they are being asked to lend on it. If

http://www.brokeroutpost.com/reference/13625.htm (Updated: 02/04/2006)

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