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Fixing the Mortgage System So It Works For Borrowers
September 5, 2005 In some respects, the United States housing finance system is the best in the world. In other respects, it is unworthy of a banana republic. Our housing finance system has a primary market and a secondary market. The primary market is the market the borrower ... more...

A Mortgage Servicing System For Borrowers?
Feb. 3, 2003 The great majority of loans today are serviced by firms that don?t own them. The servicer is paid by, and is beholden to the owner of the mortgage.  Borrowers have no say in who services their loan, and if they get poor service, about all they can do is write a ... more...

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Title Insurance
Title Insurance A policy, issued by a title insurance company, which insures a home buyer against errors in the title search. The cost of the policy is usually a function of the value of the property, and is often borne by the purchaser and/or seller. Policies are also available ... more...

Closing Costs
Closing Costs Expenses incurred by the buyer and seller in a real estate or mortgage transaction. There are two types of costs: recurring and non recurring. Non-recurring costs are one time transactional costs ... more...

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Parenting Your Teenager: Of Course You Can Search Your Teen's Room
Q. We recently caught our son smoking pot, and we wonder whether he's doing more stuff. We have reason to believe he has been hiding drugs in his room, and we're wondering whether we should go into his room to see whether we can find anything. Some parents we've talked to say yes. Others say, ... more...

Home Owner Insurance, What to Expect and What to Ask Your Agent
Your home is probably going to be your single most important purchase in your life, you spend months searching for the perfect place so it makes sense that you would be just has careful when it comes to your home owner insurance. But what is home owner insurance? As the name indicates, home owner ... more...

Buying Houses: Types of Bargains to Find
To make a good profit in real estate, you must buy right. Check out all property types available to find the best transaction for your specific situation. Consider fixers, distressed sales, repossessions, multiple listings, for sale by owners, and vacant properties just wasting away.Distressed ... more...

Secured Loans Overview
One of the most popular ways of borrowing money is through a secured loan. What secured means is that some property, such as a house, is used to guarantee the loan. If you fail to meet repayments, this security is taken by the lender. Although any property can be used to secure a loan, the most ... more...

Will The Real Home Buying Guide... Please Stand Up?
Use Google right now and do a search on, "Home Buying Guide". Take a few minutes to click some of the links to see what's out there and then come right back.Now, try "Home Buyer Guide" and do the same thing.Overwhelming, isn't it?And thats exactly the problem facing todays prospective homebuyers; ... more...

Are Interest Rates Up, Up and Away?
Interest rates have been at their lowest levels in over 40 years. U.S. consumers have been able to purchase previously unaffordable homes, cars and other toys. Many have used cheap home equity loans to remodel, take vacations and pay off credit cards. Students have taken advantage of the ... more...

A Guide to Getting a Home Improvement Loan
If you've got a few things around the house that you'd like to spruce up but don't have the money for, you might want to consider getting a home improvement loan. As the name implies, a home improvement loan is designed to pay for improvements to a house or other form of real estate.The house and ... more...

Single Mother and Learning how to Save
Saving may seem easier if you were saving for a new car, or a vacation however when it comes to saving in general it may prove to be more challenging because you may not necessarily feel you are receiving a reward from it. However saving pays off, especially as a single mother. All you need to do ... more...

Save Yourself from Homebuying Disasters
Whether you are a first time home buyer or a happy home owner who wants to refinance an existing home loan, there are some cardinal dos and donts to follow. For many, home ownership is the biggest investment in their lives and that could be the reason why some people act irrationally, as if they ... more...

Easing Your Financial Burdens With Credit Counseling
It is a well-publicized fact that more of us are getting ourselves into greater debt, and this may be true for you. The embarrassment of your financial situation can mean you are unlikely to seek credit counselling or other credit management solutions. Increased house prices and greater cost of ... more...

Guide to Unsecured Loans
Outlined below is a guide to unsecured loans. It will give you a better understanding of what an unsecured loan is as well as what to consider before applying for one.As the name implies, an unsecured loan does not require the borrower to put up any security against it. An unsecured loan is a ... more...


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