Mortgages Articles

Secured loans on home

Learn about secured loans on homes and whether or not you can sell a home with a secured loan attached. Get the answer from the Bills.com Blog.

Get a mortgage with bad credit

Learn hot to get a mortgage with bad credit and what you need to do. Information from the Bills.com blog.

Consolidating Debt and Qualifying For A Mortgage

If I consolidate my debt with a loan will this hurt my ability to get a mortgage?

Bi-Weekly and Bi-Monthly Mortgage Payment

How do I know if a lender will allow me to do a bi-monthly mortgage?

Why is Wells Fargo Ordering an Appraisal on My Property?

Why is my bank ordering an appraisal on my property?

Mortgage With Bad Credit

You may find a bank to issue an assumable mortgage, although this is unlikely. If the purchaser is your parent, and subsequently dies, the mortgage would be due

Chase Bank Contact Information

I need to speak with someone regarding my Chase mortgage can you help me?

House Value

House Value | A lender will use an appraisal report of an automated home valuation program. The tax assessment value is not reliable, so use a...

Qualify Mortgage

Qualify Mortgage | To qualify for a mortgage, you need to meet a lender's basic requirement for credit score, debt-to-income ratio, loan-to-value and...

House Divorce

This is one area in life where shopping is indeed the solution to your problem. Some lenders have higher closing costs on mortgage refinances than others.

Mortgage Payment Coupon Book

Need help getting your mortgage payment coupon book? Let Bills.com help you for free with advice and tips.

Investment Property Mortgage

Removing ex-Spouse from Investment Property | Removing a spouse from an investment property mortgage is not possible, if you can't qualify for a refinance...

Quiet Title

Quiet title | An action to quiet title is a lawsuit brought in order to establish a party's title to real property. Due to the problems with MERS, anyone...

LPMI

LPMI | LPMI is not a free lunch -- homeowners pay for LPMI in higher interest. It is also a bad deal if you plan to own your home long enough to exceed 22% of e

Adding a Spouse to a Mortgage

Free advice on what to do, if you want to add your spouse to your home mortgage loan

Spouse Not On Mortgage

The letter to the county clerk is often just called 'recording instructions' or something equally non-descriptive. It is prepared by the title company or escrow

Mobile Home Financing

Free tips on how to source the best mobile home loan.

Sell My House

Sell My House Back to the Bank | Banks don't take homes back easily. Try modifying the mortgage to avoid foreclosure. Also, look into a deed-in-lieu or...

Mortgage Calculator

Mortgage Calculator | Mortgage Calculator tips from bills..com Use our easy-to-use mortgage calculator to see which which mortgage loan is best.

Debt To Income Ratio Tips

Debt To Income Ratio | Debt To Income Ratio Tips and advice from bills.com. Review what you need to know about a DTI ratio.

Mortgage Scam

Mortgage Scam | The details of a mortgage can be complex. Mortgage scams often involve land speculation, straw buyers, inflated appraisals and...

Name On Mortgage

Make one spouse a financial and credit history life boat. If a couple's financial world is turned upside down one spouse will have a strong credit history to re

Home Account is the Best Way to Apply for Online Mortgage Loan

A review of Home Account - the coolest new way to shop for a mortgage online, and just may be the Best Way to Apply for an Online Mortgage Loan.

RESPA & Escrow Account

Under RESPA, a mortgagee is allowed to require an escrow account as a condition of you, the mortgagor, doing business with it.

Handyman Special

If the value of comps are in the $26,000 range, then you should pay $1,000 because the appraisal price is unrealistic and $1,000 is what the net value of the ho

Mortgages FAQ

Learn how much you can afford to borrow, and how to qualify for a mortgage.

Conforming Loan Limits 2019

Conforming Loan Limits for 2019 increased. The FHFA announced new loan limits for Fannie Mae and Freddie Mac loans. Due to rising home prices, the baseline...

REO Rental

REO to rental idea advanced by Federal Reserve aims to stabilize home prices by selling foreclosed homes as rental units.

Mortgage Insurance Deduction

The mortgage insurance deduction allows homeowners who itemize their deductions and pay MIP or PMI to deduct that amount from their income taxes.

Fannie Mae's Tight Lending Guidelines

Fannie Mae's Tight Lending Guidelines | Even qualified mortgage borrowers with 740+ credit scores, steady employment, high income-to-debt ratios, and ...

Second Mortgage Rate

Second mortgages can save you money if the rate for the first mortgage is high and you can't refinance it.

No Closing Cost Refinances

Lenders often define 'no-cost' refinancing differently, so be sure to ask about the specific terms offered by each lender. Basically, there are two ways to avoi

Libor ARM

Libor ARM | Libor ARMs depend on London InterBank offers to adjust your mortgage rate and still have some risk.

Unstable Housing Prices

Home prices have steadily increased, but have stopped and may remain volatile for the upcoming months.

Mortgage Application Steps

Applying for a mortgage, whether a refinance or a purchase, takes time and effort - understand the steps.

Good Faith Estimate (GFE)

Since January 2010 a new Good Faith Estimate (GFE) has been mandated by the department of Housing and Urban Development (HUD). We help you to understand it

Mortgage Refinancing Cost

Learn about the cost of refinancing your mortgage. Find out if you should refinance into a lower rate today.

Mortgage Closing Cost

Learn about the closing costs of a mortgage refinance from the Bills.com mortgage experts.

Private Mortgage Insurance Info

PMI and private mortgage insurance video tips from Bills.com. What you need to know about PMI.

What Is LTV?

Mortgage Calculator video tips from Bills.com. Ethan Ewing, President of Bills.com, gives you free information on Loan-to-Value, also known as 'LTV.'

Tax Deductions and Mortgages

Mortgage Tax Deduction | Romney introduced the idea of limiting mortgage interest tax deduction. Learn about the types of mortgage tax deductions you can...

Gifting Money for Downpayment

Gifting Money for Mortgage | It is possible to gift money without paying taxes. The receiver can use the gift funds toward a downpayment. Consult with a...

Mortgage Disclosure | The CFPB Loan Estimate Form

Mortgage Disclosure - Taking a Loan | The new proposed CFPB Loan Estimate Form aims to bring you clear information. After making an application compare...

Annual Percentage Rate for Mortgage

APR Mortgage | Using the Annual Percentage Rate for your mortgage can be helpful in comparing offers, but has many limitations. Be sure to include all fees...

Understanding LTV & Your Mortgage

LTV: Loan to Value | Mortgage lenders look at your loan balance and the value of your house to determine your LTV. Learn how to calculate LTV and the impact...

Second Mortgage Lender | Shop Around

Second Mortgage Lender | Shop for a second mortgage by comparing your current lender, big banks, credit unions, and online sites. Make sure that you know...

Mortgage Basics | Downpayment, Equity and LTV

Mortgage Basics - Down-payment, Equity, and LTV | Learn about mortgage terms relating to your property's value and how it affects your mortgage loan. It is...

Mortgage Basics: Creditworthiness

Mortgage Basics - Creditworthiness | Learn more about mortgage basics. Lenders evaluate both your willingness to pay an ability to pay. Learn more about..

Understanding the Basic Terms of a Mortgage Loan

Mortgage Basics - Understanding Mortgage Terms | The first in a series of 3 articles about mortgage basics explains key mortgage terms including payment...

Freddie Mac Overview

Freddie Mac | Freddie Mac helps to make money available in the mortgage market, which means lower interest rates for you. Learn about Freddie Mac programs....