Article Categories
» Arts & Entertainment
» Automotive
» Business
» Careers & Jobs
» Education & Reference
» Finance
» Food & Drink
» Health & Fitness
» Home & Family
» Internet & Online Businesses
» Miscellaneous
» Self Improvement
» Shopping
» Society & News
» Sports & Recreation
» Technology
» Travel & Leisure
» Writing & Speaking


  Category: Articles » Articles by Author » Author: Charles Essmeier
Results 1 - 50 of 54 [2 Pages]  
1.Deed Theft Criminals Get More Aggressive at Stealing Your Home
Deed theft is an increasingly popular crime in the real estate industry. It usually works like this: A company will post signs around town offering to "help" those facing debt problems that might lead to foreclosure. Representatives of the company meet ...
[Added: 14 Mar 2006   Hits: 470   Words: 407]

2.Will Online Mortgage Lenders Replace Traditional Banks?
The Internet has changed our lives in more ways than we can imagine. The Web provides a convenient, fast, comprehensive source of information that we have very quickly embraced as our "go to" source for whatever it is we need in a pinch. The emergence of sites such as Amazon ...
[Added: 14 Mar 2006   Hits: 333   Words: 413]

3.Is Mortgage Life Insurance a Good Buy?
Buying a house is one of the most expensive things most people will ever do. With the average home in the United States now costing more than $200,000, it will take a half a million dollars to buy it outright once the interest on the loan is taken into ...
[Added: 11 Mar 2006   Hits: 338   Words: 363]

4.Home Equity Just Part of a Good Rainy Day Plan
In the last five years, values of homes throughout the United States have increased dramatically. With that, the American public has resorted to an unprecedented amount of borrowing against their homes. People have used their ...
[Added: 04 Mar 2006   Hits: 370   Words: 373]

5.Discount Points May Be Wise When Purchasing a Home
There are many expenses one must pay when closing on a mortgage. Some of these include taxes, a down payment, loan origination fees, and miscellaneous fees for couriers, copying or other office expenses. No one likes paying these costs, but they are part of the process of taking out ...
[Added: 04 Mar 2006   Hits: 358   Words: 396]

6.Mortgage Tips for First Time Buyers
A home is the single most expensive thing most people will ever purchase. In addition, paying off a home loan can take as long as forty years and will involve paying an amount of interest that exceeds the cost of the house itself. In ...
[Added: 25 Feb 2006   Hits: 367   Words: 435]

7.Mortgage Paid Off Sooner With Just a Little Extra Cash
Buying a house is the most expensive thing most people will ever do. Almost 70% of Americans now own their own homes, and that is an all time high. But the commitment to buying a home is a great one; the payment schedule can run as ...
[Added: 25 Feb 2006   Hits: 332   Words: 413]

8.Home Loan Closing Costs May Be Surprising
The whole purpose of taking out a mortgage is to borrow the bulk of the purchase price of a house. Most houses sell for prices that are well beyond the amounts the people keep in their bank accounts, so taking out a ...
[Added: 20 Feb 2006   Hits: 304   Words: 471]

9.Last Year's Great Mortgage is This Year's Disaster
The market for real estate in the United States seems to have slowed down from the fever pitch of just a year ago. There are a number of reasons for this; rising interest rates and sticker shock among buyers are just two of them. Whatever the reasons, sales ...
[Added: 16 Feb 2006   Hits: 287   Words: 484]

10.Buy a Home in Winter and Save Money
While most people are accustomed to shopping for homes between Memorial Day and Labor day, that may actually be the worst time of the year to buy a house. The best time of year to go house hunting may be the dead of winter, rather ...
[Added: 26 Jan 2006   Hits: 308   Words: 359]

11.Home Loans and Mortgages - Help for Hurricane Katrina Victims
Hurricane Katrina swept through the Gulf Coast region recently and left nothing but destruction in her wake. Thousands of people are homeless, jobless and penniless, and it is not currently known how long the local economy will take to recover. Adding to the problems associated with being displaced and having ...
[Added: 13 Sep 2005   Hits: 311   Words: 344]

12.Home Loans and Mortgages - Shop Around for the Best Deal
The real estate market has been booming in the U.S. for some five years now and a record number of Americans now own their homes. The mortgage industry has recognized the fact that people have all kinds ...
[Added: 08 Sep 2005   Hits: 241   Words: 457]

13.Home Loans and Mortgages - The Myth of Tax Deductible Interest
Home ownership has risen sharply in recent years, and the percentage of Americans who own their own homes is approaching a record seventy percent. That's a good thing; we'd all rather live in our own home than consider the alternatives. ...
[Added: 23 Aug 2005   Hits: 280   Words: 563]

14.Home Loans and Mortgages - Time to Consolidate Loans?
Home equity loans and lines of credit are useful tools for homeowners. They allow the homeowner to borrow against the value of his or her home for all kinds of purposes – home improvement, debt consolidation, vacations, and more. The loans, ...
[Added: 20 Aug 2005   Hits: 267   Words: 485]

15.Home Loans and Mortgages - One Third of Homes in U.S. Overvalued
A new study by National City Corp. looked at home values for 299 American cities and compared them to where they "should be" based on a number of economic factors that determine home prices. The results were not encouraging; homes in nearly one third of America were judged to ...
[Added: 18 Aug 2005   Hits: 330   Words: 409]

16.Home Loans and Mortgages - Tips to Avoid Foreclosure
Today's real estate market is a volatile one; prices are at record levels and Interest rates are favorable, but foreclosures are increasing. Wages haven't kept up with home prices and some buyers who had to stretch to find a way to obtain a mortgage in the ...
[Added: 17 Aug 2005   Hits: 271   Words: 495]

17.Home Loans and Mortgages - Watch Out for Dangerous Subprime Loans
With the growing interest in real estate purchasing and speculation, more and more lenders are offering "nontraditional" types of mortgages. These include adjustable rate mortgages (ARM) of every shape and size, the more popular interest-only mortgage, and the very dangerous Option ARM ...
[Added: 11 Aug 2005   Hits: 290   Words: 486]

18.Home Equity Loan - Home Theater Adds Fun and Value
In days gone by, the family typically spent their evenings watching television in the den or living room, crowded around a black and white television set that may have measured no more than nineteen inches in diagonal size. For decades, ...
[Added: 11 Aug 2005   Hits: 289   Words: 420]

19.Home Loans - Lenders Continue to Offer High-Risk Loans
Home prices in the Untied States continue to soar, and the remarkable run of real estate as the "must have" investment continues. The median price of a new home, which only recently crossed the $200,000 barrier, is now $215,000. The high prices of ...
[Added: 29 Jul 2005   Hits: 240   Words: 509]

20.Buy a Home With a Government Grant? Avoid This Scam
If you watch enough late night television, you’ll see advertisements that suggest that the Federal Government is giving all kinds of things away. You’ll see ads for auctions that promise that you can buy a Ferrari for $500 or a home for $1000 through "government liquidations" or some ...
[Added: 29 Jul 2005   Hits: 278   Words: 422]

21.Option ARM - The World's Most Dangerous Mortgage
Home prices have reached record levels, and in many parts of the country, homes have become nearly unaffordable. Real estate has replaced the tech stocks of the late 1990’s as the hot investment, and everyone has sold their stocks ...
[Added: 27 Jul 2005   Hits: 281   Words: 589]

22.Home Loans - Repair Credit Errors in Three Days!
Most consumers are aware that a history of paying bills late or not at all can hurt one’s ability to obtain a loan. All financial transactions are recorded by three credit bureaus and offered to lenders upon request in the form ...
[Added: 23 Jul 2005   Hits: 298   Words: 510]

23.Home Loans - Repair Your Credit Before You Buy
Before you take out a home loan or make any major purchase, you should be aware that any prospective lender will want to take a look at your credit report. Your credit report is a record of all of your past financial dealings, and any loans, credit ...
[Added: 22 Jul 2005   Hits: 265   Words: 455]

24.Home Loans - Would You Buy a Home Without an Inspection?
The housing market has exploded, with home prices rising beyond all reason in some markets. Home prices have doubled or tripled during the last five years, and in some cities, the asking prices for homes are considered only to be suggested opening bids. Homes often sell ...
[Added: 20 Jul 2005   Hits: 279   Words: 472]

25.Home Loans - Identity Theft Protection Could Hurt Home Sales
Identity theft has been a hot topic in the news during the last few years. Just a month or so ago, forty million credit card numbers were compromised due to a computer attack on a ...
[Added: 19 Jul 2005   Hits: 318   Words: 460]

26.Home Equity - Let the Market Eliminate Your Private Mortgage Insurance
In decades past, most people who were interested in obtaining a home loan were required to put down at least 20% of the purchase price. Those days are gone, and as home prices have risen faster than incomes, the average down payment required by lenders has dropped. ...
[Added: 19 Jul 2005   Hits: 302   Words: 448]

27.Home Equity - Foreclosure Often Not Necessary in Current Market
While driving around your community, you may have seen signs posted on telephone poles that offer “foreclosure help.” These seemingly generous offers to help financially troubled homeowners who are in danger of losing their homes to foreclosure are actually scams. Typically, the “help” comes in the ...
[Added: 19 Jul 2005   Hits: 293   Words: 503]

28.Home Equity - Don't Spend it on Risky Investments
The housing market has exploded in the last five years, and homeowners are finding that the equity in their homes is greater than it has ever been. The equity in a home is the difference between the market value of the home and the amount still owed ...
[Added: 19 Jul 2005   Hits: 279   Words: 540]

29.Home Equity Line of Credit - Great for Remodeling Projects
Many homeowners are lucky enough to find a house that represents exactly what they want in a home. They buy it, make the payments on it, and live more or less happily ever after. Others are not ...
[Added: 19 Jul 2005   Hits: 322   Words: 457]

30.Home Equity Loan - Good Choice for Luxury Purchases?
Home equity loans or lines of credit have increased dramatically in popularity in recent years. One of the reasons is that interest rates are at or near historic lows; borrowing money has rarely been more affordable. Another reason is that Americans are enjoying record amounts of equity as ...
[Added: 17 Jul 2005   Hits: 348   Words: 444]

31.Home Equity Loan - When Does Refinancing Make Sense?
For the last two years, interest rates have been much lower than anytime during the last thirty years. This has resulted in an unprecedented boom in real estate sales, home refinancing and home equity lending, as borrowers try to take advantage of these rates for ...
[Added: 17 Jul 2005   Hits: 238   Words: 555]

32.Home Equity Loan - Still a Better Idea Than a 401(K) Loan
Anyone who borrows money is always looking for the cheapest source of funding. That makes sense; no one wants to pay more in interest than is absolutely necessary. And anyone with a sizeable amount of debt, such as credit card debt or a student ...
[Added: 16 Jul 2005   Hits: 281   Words: 441]

33.Home Loans -- Federal Regulators Warn Lenders to Be More Careful
Federal banking regulators have recently expressed some concern over the housing market as home prices in the United States have risen to record levels. While homes are more unaffordable than ever for many people, the lending market remains strong, mostly because of the introduction of new, ever-more-flexible ...
[Added: 17 Jun 2005   Hits: 288   Words: 414]

34.Home Loans -- The Hot New Product? The 30-year Mortgage
In recent years, the mortgage industry has introduced dozens of new types of loans. The needs of every borrower are different, so the mortgage companies have tried to come up with an answer for every problem. They’ve introduced 40-year mortgages, promoted 15-year mortgages, and ...
[Added: 17 Jun 2005   Hits: 272   Words: 495]

35.Home Loans and Mortgages - Beware of Deed Theft Scam
The average home in the United States has a value of $206,000, a record amount. Real estate prices have been rising throughout the country during the last five years, and homeowners have seen the value of their property skyrocket. In California alone, the equity ...
[Added: 16 Jun 2005   Hits: 248   Words: 520]

36.Home Loans and Mortgages - Beware of New “Mortgage Elimination” Scam
The booming real estate market has allowed many Americans to become “equity rich.” They may not have a lot of cash on hand, but they might have equity in their homes worth several hundred thousand dollars or more. Unfortunately, this increase in home wealth has ...
[Added: 16 Jun 2005   Hits: 278   Words: 374]

37.Home Refinancing Scam - Thieves Use Identity Theft to Steal Your Equity
Since the demise of the stock market in 2000, the real estate market has been booming. Investors who are justifiably cautious about investing in stocks have been investing in homes. This has driven the prices of homes ...
[Added: 16 Jun 2005   Hits: 391   Words: 392]

38.Home Buyer Beware - Know the Signs of Real Estate Market Trouble
Lots of articles have appeared recently about the booming real estate market in the United States. Home prices, especially on the East and West coasts, are not only at record levels, but are increasing at record rates. In some areas ...
[Added: 14 Jun 2005   Hits: 301   Words: 586]

39.Home Loans and Mortgages - The Selection Can Be Bewildering
For years, when someone wanted to purchase or refinance a home, the choices were simple. The buyer chose either a 15-year fixed-rate mortgage or a 30 year fixed-rate mortgage. That was it. Of course, those were ...
[Added: 10 Jun 2005   Hits: 261   Words: 658]

40.Home Equity Line of Credit - Great Idea for Rainy Day Emergencies
Most Americans tend to live on a paycheck-to-paycheck basis, and the typical household has nearly $10,000 in credit card debt. Adding to that is the fact that Americans are saving money at the lowest rate in history. We spend what we earn, when we earn it, and there’s little or ...
[Added: 07 Jun 2005   Hits: 325   Words: 420]

41.Debt Consolidation - Discipline is Required if Consolidating with Home Equity
Debt consolidation is a popular topic these days. The average American carries nearly $10,000 in credit card debt and credit card debt of $100,000 is not all that unusual. New legislation that takes effect in ...
[Added: 06 Jun 2005   Hits: 271   Words: 471]

42.Home Equity Loans - Research Your Lender Carefully
Real estate prices are rising across the country, and Americans are tapping into their home equity like never before. Americans took out $431 billion in home equity loans in 2004, and that amount may increase in ...
[Added: 01 Jun 2005   Hits: 258   Words: 431]

43.Reverse Mortgage - Be Sure You Need It Before Applying For One
Reverse mortgages used to be considered the last resort of desperate retirees who needed to borrow against their home equity in order to pay for medical expenses. With home prices across the country rising at astonishing rates, ...
[Added: 01 Jun 2005   Hits: 274   Words: 493]

44.Home Equity - Is it Time to Cash Out and Move?
During the last five years, home prices have increased nationwide. In some parts of the country, notably California, home prices have doubled or even tripled. The median price of a home in the Los Angeles area is now nearly $450,000 ...
[Added: 25 May 2005   Hits: 285   Words: 472]

45.Real Estate Clubs Hot Among Investors
Six or seven years ago, the stock market was booming, Internet companies that no one had ever heard of were valued at billions of dollars, and anyone and everyone was investing their money in tech stocks. Then, in 2000, the stock market ...
[Added: 25 May 2005   Hits: 333   Words: 431]

46.Interest-only Mortgages Have Their Pitfalls
Rising home prices, particularly on the East and West coasts have put the costs of home ownership seemingly beyond the reach of many. And yet, home ownership is up nationwide, and the percentage of Americans ...
[Added: 25 May 2005   Hits: 293   Words: 449]

47.Are you ready for a 40-year mortgage?
Real estate prices have been increasing steadily over the last five years, particularly on the East and West coasts. In parts of California, homes are selling for 33% more than they were a year ago. ...
[Added: 13 May 2005   Hits: 282   Words: 389]

48.Home Equity Loan - Beware of equity stripping scam
The market for mortgage refinancing has been brisk during the last few years. The boom in business can be attributed to interest rates that have been at or near historic lows, and to lenders who have more money to lend now that they aren’t investing in risky tech stocks anymore. ...
[Added: 11 May 2005   Hits: 284   Words: 366]

49.Home Equity Loan - Beware of the lingering lien!
A problem that often arises when people try to refinance their home is the discovery of a pre-existing lien from a previous loan that was not removed by the lending company. The cost of removing a lien and returning the ...
[Added: 05 May 2005   Hits: 269   Words: 405]

50.Home Equity Loan - Not just for home repairs, and tax deductible, too!
Thanks to the combination of low interest rates and skyrocketing property values, home equity loans are more popular than ever. The value of home equity loans taken out by Americans has doubled in the last two years, and the market for them shows no ...
[Added: 04 May 2005   Hits: 219   Words: 335]

More results
1 2 [Next]