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Buying a Home

Rule Changes Tighten Reverse Mortgage Eligibility

Reverse mortgages have become increasingly popular in recent years, as cash-strapped seniors seek ways to keep pace with rising expenses – not to mention cope with the pummeling their retirement savings took during the Great Recession.

New Mortgage Rules

It seems so basic -- require mortgage lenders to qualify borrowers based on their ability to repay the loan. Yet this wasn't the case for many mortgages in the run-up to the housing crisis contributing to the mess we're still in now.

Video: Purchasing A Home You Can Afford

Today’s low prices and interest rates makes this an excellent time to purchase a home. But before you take that step; be sure you can afford the mortgage.

Government Proposes Simplified Mortgage Disclosure Forms

No doubt many wannabe first-time homebuyers have been sitting on the sidelines of the volatile housing market, unsure when or how to enter the game.

How Big Of A Mortgage Can I Get?

When it comes to conducting a serious search for a home, however, you need to find out how much you can borrow to cover the cost.

Video: Mortgage Interest Rates

Learn how interest rates are tied to specific types of mortgages.

About Reverse Mortgages For Seniors--Section 255-Home Equity Conversion Mortgages (HECM)

The HECM FHA insured reverse mortgage can be used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit to be repaid when they no longer occupy the home.

Do You Qualify For A Mortgage Loan?

When a lender reviews your home loan application, they will look at income, debt, credit, employment, property or collateral and financial resources.

Do You Qualify For Downpayment Assistance?

There are many public and private organizations out there that will help you buy a home even if you don't have enough cash for a big down payment and closing costs. With insurance and participation in a "low down payment" mortgage program, you may be able to purchase a home with less than five percent down.

How HUD's Reverse Mortgage Program Works

Homeowners 62 and older who have paid off their mortgages or have only small mortgage balances remaining are eligible to participate in HUD's reverse mortgage program.

How to Buy Homeowner's Insurance

Homeowner's insurance premiums are determined by a number of factors, many of which are under your control. These tips could save you hundreds of dollars.

Important Mortgage Terms You Need to Know

A comprehensive list of important terms that you will need to understand before buying a house.

Is Homeownership For You

For many people, owning a home is the fulfillment of the American dream. For others, it is their worst nightmare. So, before you decide to buy, carefully consider the pros and cons of homeownership.

Before Buying a Home Get Your Financial House in Order

Financial advisors urge home buyers to start their process several months before pounding the pavement by checking their credit report.

The Pros and Cons of Home Ownership

Owning a home can offer many advantages, but there are some potential disadvantages that you should be aware of.

Reverse Mortgages: Get The Facts Before Cashing In On Your Home's Equity

Whether seeking money to finance a home improvement, pay off a current mortgage, supplement their retirement income, or pay for healthcare expenses, many older Americans are turning to reverse mortgages.

Reverse Mortgages: Cashing In On Home Ownership

Many consumers age 62 or older are "house-rich and cash-poor" their mortgages are paid off, but they are living on fixed or limited incomes. A "reverse mortgage" may allow some consumers to take advantage of their home as a valuable asset and convert it to a source of income without losing home ownership.

Should I Get A Home Equity Loan?

Many homeowner use home equity loans for home repair improvement projects. But not all equity loans are used for improvements. Many homeowners use them to pay off credit cards, purchase a car or other big ticket item, or for a vacation.

Should I Get a Reverse Mortgage?

A reverse mortgage is the opposite of a traditional mortgage. Instead of making a monthly mortgage payment, the homeowner is paid a lump sum or monthly payment.

Single Parents Can Buy Houses Too!

Here are some steps you might take to acquire a new house as a single parent.