Lending / Financial

Buying real estate is even more challenging for those of us whose eyes glaze over at the mere mention of decimals, percentages or anything else that even hints of mathematics.


The financial aspect of purchasing the largest investment of your lifetime, though, is the most important. Nobody wants to lose money. Nobody wants to leave money on the table.


If you're in the market for information on mortgages, credit scores and interest rates, you've come to the right place. The financial and mortgage pros here at ActiveRain even tell you how to shop for and compare lenders, how to raise your credit score, how to get a mortgage after a short sale or foreclosure and how to get pre-approved for a mortgage loan. Even Mom and Dad can't give the great advice you'll find here at ActiveRain.


Plan to spend some time here because ActiveRain's content library is massive. Lucky for you we've arranged it so that it's über user-friendly. You'll be amazed at how easy it is to put your finger on just the information you're looking for without having to surf a million other pages.

Trending blogs on Lending / Financial
By Chris Goulart, California Hard Money Loans & Solutions
(All California Lending)
With the pandemic causing unprecedented uncertainty in the markets, investors still need financing for their projects.  For many investors, funding is still readily available, although maybe not at the same terms it was six months ago.  For hard money luxury home financing in California, however, the markets are much more unpredictable.The housing market overall seems to be fairly strong.  Homes are selling, prices are not falling.  Home ownership levels have actually hit their previous highs from 2008.  With that being said, however, the luxury home market has more question marks.For clients who have spent the past year (or years) building a luxury home for sale, they are looking at potentially longer marketing times to realize their target sales price.  This often times requires finan...
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By Eric Slifkin, PA
(Keller Williams Realty of the Treasure Coast)
FAQ: All Cash Home Purchase vs. Mortgage Many of my clients (especially Baby Boomers who are downsizing or relocating) ask me if they should pay cash for their next house or finance it with a new loan. While the idea of owning a home free-and-clear is certainly appealing, I always present them with a series of questions to help them clarify the big picture. Perhaps you or someone you know may benefit from these as well  How much will you be left with after an all-cash purchase? Maintaining a safety net of three to six monthsʼ worth of living expenses can be a real comfort after youʼve done well on the sale of your home. How comfortable will you be if an all-cash purchase brings you near zero? Are you retiring soon? This goes to two issues: First, whether or not the absence of a mortgage...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Lake Ronkonkoma NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Lake Ronkonkoma NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mort...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Selden NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Selden NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs. Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage rates in Selde...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in West Bay Shore NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for West Bay Shore  NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortg...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in West Islip NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for West Islip  NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs. Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage rates...
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By Karen Schimpf, When the Bank Says No, I CAN Get Your Deal CLOSED!
(Commercial Capital Ltd.)
  cc: by:hthttps://flic.kr/p/DU1Fy6     Ignore the Noise…..   So much “noise” today. Race riots, political unrest, Coronavirus and more…..listening to all of it can not just be overwhelming, it can be downright depressing. Months ago I stopped watching the news.  I have not been the worse for it. Anything really big you hear about, even if you don’t watch the news. So I am never too far out of touch. That does not mean I do not care about these things-race relations, the election, the virus. But me watching hours of news is actually not achieving anything. All that news watching doesn’t change one thing. If I want to make a difference, watching the news and obsessing over it does not get it done. Controlling my actions and my attitudes DOES make a difference-at least in my sphere of in...
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By Bob Elliot, 20+ Yrs Industry Experience
(eXp Realty)
Last week’s economic reporting included readings on sales of new and previously owned homes. State and federal data on new and continuing jobless claims were released along with Freddie Mac’s weekly report on mortgage rates. Sales of New and Existing Homes Rise in JuneSales of new homes rose at their highest rate in 13 years according to the Commerce Department. New homes sold at a seasonally-adjusted annual pace of 776,000 sales, which exceeded the expected reading of 710.000 new single-family homes sold and May’s reading of 682,000 new homes sold. Analysts said that increased interest in relocating to suburban areas and low mortgage rates fueled buyer interest in new homes.The National Association of Realtors® reported a sharp increase in sales of previously-owned homes during June. S...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Great River NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Great River  NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage ra...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Blue Point NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Blue Point NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage rates...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Patchogue NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Patchogue NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage rates i...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Ronkonkoma NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Ronkonkoma NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs. Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage rates ...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Bohemia NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Bohemia NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage rates in Bo...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Bayport NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Bayport NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage rates in Ba...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Davis Park NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Davis Park NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify      The Mortgage Outlet is pleased to offer some of the lowest mortgage rates...
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By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Oakdale NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Oakdale NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing CostsFast Automated Mortgage ProcessOver 30 Year's Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify        The Mortgage Outlet is pleased to offer some of the lowest mortgage rates in ...
Comments 0
By David Bailey and Erika Bailey, "Creating Clients for Life" Cell # 631-589 3600
(The Mortgage Outlet NMLS # 36861)
Low Mortgage Rates in Sayville NY Flat Rate Mortgage Broker  Flat Rate Mortgage Broker, The Mortgage Outlet, shocks the industry with rock bottom mortgage rates for Sayville NY. That is right you pay just one flat fee and no other garbage fees like processing, application, doc prep, lock in or any other fee that increase your closing costs. Learn More about how this program flat rate program can save you thousands of dollars in closing costs.  Benefits to all borrowers whether you are buying, or refinancing is:Cheaper Mortgage RatesCheaper Closing Costs Fast Automated Mortgage ProcessOver 30 Years’ Experience in industryWorks for the borrower best interest always30 Day closing are available, if you qualify        The Mortgage Outlet is pleased to offer some of the lowest mortgage rates ...
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By Patricia Feager, MBA, CRS, GRI,MRP, Selling Homes Changing Lives
(DFW FINE PROPERTIES)
by Patricia FeagerNote: The mortgage industry is subject to change. For most current information, contact your Local Lender. This is a loud shout out for Drew Brenner, Vice President of Mortgage Lending located at 7001 Preston Road, Suite 125, Dallas, TX 75205, (214) 765-0083, NMLS# 298139. For the month of May, 2018, Mortgage Lending at 7001 Preston Road, Suite 125, Dallas, TX is waiving their lender fee on VA loans. This means huge savings to Veterans and current members of the US Armed Forces who can save $1,290 when they buy or refinance with Guaranteed Rate Affinity*. Their VA loan program features:  Forgiving VA credit standards No down payment in most cases No monthly mortgage insurance VA refinance options with 100% cash-out  To find out if you qualify, contact Drew Brenner dire...
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By DEANNA C. SMITH CERTIFIED MOBILE NOTARY, Highest Ranked Certified Mobile Notary in Virginia
(Certified Mobile Notary Signing Agent)
My name is  DEANNA EARLY  and I am the Mortgage Loan Originator for Franklin County, Virginia and the surrounding areas including the unincorporated areas of Roanoke County.   I have over 30 years in the mortgage industry creating and closing Virginia home mortgage loans and refinances.   I am Nationally Licensed ( #268590 ) by the NMLS.I do refinancing for existing homes anywhere in the state of Virginia.   If you are thinking about refinancing your home, there are many questions and considerations to think about BEFORE  proceeding.   Contact me so we can sit down and go over your various options together to formulate a plan.Are you looking for cash out for a major purchase or are you needing a small amount of money for a project around the house that a home equity line might be better...
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By DEANNA C. SMITH CERTIFIED MOBILE NOTARY, Highest Ranked Certified Mobile Notary in Virginia
(Certified Mobile Notary Signing Agent)
My name is  DEANNA EARLY  and I am the Mortgage Loan Originator for Franklin County, Virginia and the surrounding areas including the unincorporated areas of Roanoke County.   I have over 30 years in the mortgage industry creating and closing Virginia home mortgage loans and refinances.   I am Nationally Licensed ( #268590 ) by the NMLS.I do refinancing for existing homes anywhere in the state of Virginia.   If you are thinking about refinancing your home, there are many questions and considerations to think about BEFORE  proceeding.   Contact me so we can sit down and go over your various options together to formulate a plan.Are you looking for cash out for a major purchase or are you needing a small amount of money for a project around the house that a home equity line might be better...
Comments 9
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