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July, 2008
Private Mortgage Insurance Explained


Private mortgage insurance, or PMI, is one of the most commonly misunderstood concepts in the mortgage industry.  So what is PMI? 


In short, PMI is an insurance policy for which you as the homeowner pay the premium each month, but it doesn’t benefit you at all.  This insurance policy insures the lender in case you don’t make your payments and go into default.  If this happens, PMI guarantees the lender that they will get their ...


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posted by RJ Baxter July 23, 2008 7:34 | permalink | Mortgage Concepts

Home Buyer's Guide


Home buying can be intimidating and confusing.  I hope the following home buyer's guide will help you understand more about the process and the important steps that you must take to become a home owner!
 
Step 1:  Work on your credit

 

One of the first steps to home ownership is establishing a good credit history.  Your credit score goes a long way toward determining whether you qualify for a mortgage and if you ...


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posted by RJ Baxter July 22, 2008 8:26 | permalink | First Time Homebuyers
June, 2008
The End of Cheap Mortgage Money?


With gas and food prices skyrocketing, and unemployment on the rise, the US Central Bank has begun to hint toward a rate hike sooner rather than later.  The fear is that inflation will spiral out of control which, coupled with high unemployment, will signal stagflation.
 
Ben Bernanke spoke this morning, and stated that risks to a serious downturn in the economy have abated.  With inflation projected to continue to rise in the coming months, ...

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posted by RJ Baxter June 10, 2008 14:10 | permalink | Mortgage Market Commentary

Foreclosure Help Through Modification


If you are in trouble with your mortgage for whatever reason but can't seem to qualify for a refinance, there is a solution for you- mortgage modification.
 
A modification is simply a renegotiation with your lender for better terms that you can afford.  Perhaps your payment has gone up because you are in an adjustable mortgage.  Maybe you are falling farther and farther behind on the payments.  Your mortgage may be for more than ...

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posted by RJ Baxter June 05, 2008 4:36 | permalink | Bad Credit Mortgage Help
May, 2008
Fed Sees Rough Times Ahead


The Federal Reserve lowered their outlook for the remainder of 2008 in their latest release.  Among other things, the FOMC is predicting higher than expected inflation and unemployment, and lower growth.  They also added that the recent rate cut was a close call.
 
The release has led to slightly better mortgage rates.
 
For more on this story, visit CNNMoney.


posted by RJ Baxter May 21, 2008 13:19 | permalink | Mortgage Market Commentary

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