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)
Comments 1
All of a sudden cannabis is big business in California.  Big legal business.  While it is legal business in California, it remains illegal under federal law.  Due to this, financing for cannabis properties and businesses remains tight.  While the banks may not be making cannabis related loans rig...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
  For the Week Ending January 31, 2019 Please enjoy this quick update on what happened this week in the housing and financial markets.   Consumer confidence was down this month, likely affected by the government shutdown. Still, consumer spirits remain robust by historic standards. The Fed left p...

By Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
Comments 53
   Why Bank Statements and Verification of Funds Are So Important to Mortgage Underwriters     One topic ... one direction provided during the Mortgage Process that seems to baffle and frustrate my prospective home buyers during their Mortgage Process, surrounds the sourcing and documenting of Do...

By Jill Murty, Realtor - Orange County, CA
(PREA Realty)
Comments 3
The Mortgage Credit Certificate, MCC is a Great First Time Buyer Program for Those Who Qualify.  Could it Be For You?What is the Mortgage Credit Certificate program? It is a 20% tax credit on the buyer's mortgage interest.  It's an incredible benefit.  A buyer who has been issued an MCC may file ...

By Chuck Carstensen, Minnesota Real Estate Expert
(RE/MAX Results)
Comments 1
Carstensen Team Re/Max Results featuring Paragon Credit Services Weekly Videos Week 10.Go from credit challenged to credit genius with this 16 week video series from Paragon Credit Services! In week ten of the Credit Genius video we'll discuss automatic payment plans and how they affect your cred...

By Bob Thompson, 562.344.5626 | Stated Income & HELOCs, RT Capital Advisors - Commercial & Residential
(RT Capital Advisors, CEO)
Comments 0
Fix and Flip or Long Term Hold - Loan Amounts to $2,000,000. Commercial or Residential Loans for Non-Owner and Investment properties up to 75% LTV. Terms: 3 and 8 yr ARMs fixed then adjustable for remainder of 30 years.  600 minimum FICO score required. OR 1 yr FIX and Flip 75% LTV - NO minumim ...

By Patty Clark, Helping Families Move with Care
(Morningside Homes, LLC)
Comments 3
When It's Important...Find the Facts2/13/2019 Most parents don't put a lot of credence in the statements "Everyone is doing it" and "No one does that anymore." They'll dig a little deeper and get the facts of the situation.  Interestingly, when it comes to buying a home, similar common myths con...

By Karen Schimpf, When the Bank Says No, I CAN Get Your Deal CLOSED!
(Commercial Capital Ltd.)
Comments 0
Apartment loan products are very different from residential.  Loan amount, occupancy rate, debt service, the break down of units, city and state, population, the quality of the property, if you live in the same state as the property, your experience, your credit and credit scores, how much you ha...

By Lauren Massie, CPA, EA, MBA, CPA - Specializing in Tax Settlement in Raleigh NC
(Lauren Massie, CPA PLLC)
Comments 0
The IRS allows people to settle their back tax debt if they meet certain requirements. One key requirement is that a person offers an amount no less than their Reasonable Collection Potential (RCP). Check out this video and article to get more information about how the offer amount, RCP, is calcu...

By Ben Yost - 303-587-4297, FHA, VA, Conventional - Mortgage Loans in De
(First Time Home Buyer, Mortgage Rates, Pre-Approval)
Comments 1
Please call Ben Yost 303-587-4297 nmls# 243370 with New American Funding for any Questions about CHFA or any other Down Payment Assistance Loans 303-587-4297Also feel Free to check out the Home Buyer Power Club for Colorado:http://ivpages.net/show/3936/Or Check Out: www.benyost.com      

By Chris Goulart, California Hard Money Loans & Solutions
(All California Lending)
Comments 0
In California, investing in real estate is a great way to leverage debt to build equity.  We specialize in helping investors obtain financing when the banks are not the right fit.  We have a number of different programs for various investors.  We can help with construction, rehab loans, land loan...

By Kristen Wilkinson, Simplify + Organize Your Life and Finances
Comments 0
Housing can easily make up one of the biggest portions of your household budget (25%-30%). If you are looking for areas where you are able to save more money,  housing is a great place to start.  Here are a few great ways to save on housing expenses to put more money back into your budget.  Ways ...

By Bob Elliot, 20+ Yrs Local Industry Experience
Comments 1
Bridge loans, which are also commonly referred to as interim financing, gap financing or swing loans, help a motivated home buyer to secure financing before their home or investment property sells. Lenders can usually modify these flexible loans to accommodate a person's unique needs.Current real...

By Dennis Dahlberg
(Level 4 Funding )
Comments 1
The timeshare industry got its start in the 70s, and it has always had a bit of a rocky reputation, particularly because they never tell you how to get rid of a timeshare. Timeshare companies are known for their pushy sales tactics, promises of grand prizes, and lengthy presentations designed to ...

By Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
Comments 8
 NOW is the Perfect Time to Review Your Credit Below you'll find a weather report shared for the Chicagoland area just  recently ...  Rain and thunderstorms are expected today before Chicago temperatures plunge from the mid-40's to single digits ... It's well known that Chicagoland weather is not...

By Chris B Johnson, 5 Star Rated REALTOR® Quality, Not Quantity
(Allison James Elite)
Comments 2
 #SellYourHomeForMoreandPayLess #TimeToSell #ChrisBJohnsonRealtor #SellersPayZEROCommission  #ListYourHome&PayNoCommission #BetterThanFSBO #5StarREALTOR®Your home is probably the biggest asset you own. This is why you should hire a professional to guide you through all your real estate transactio...

By Craig Bosse, Jumbo and "Outside the Box" Loan Specialist
Comments 0
Welcome to 2019. We are another year past the financial meltdown that left many well intended people with Short Sales or Deed in Lieu on their records. New programs keep coming out that are changing the dynamics of getting a mortgage after a Foreclosure.  Portfolio Mortgages (Also sometimes refer...

By Shawn Jones, Assisting Real Estate Professionals with Marketing
(Projects By Shawn LLC)
Comments 5
It's the beginning of a new year and if you are like me you have lots of "New Year, New You" goals. Health and wellness are among the common themes for self-improvement. When thinking about your wellness holistically, you can't forget about your financial health. It is important to make sure that...

By Kevin O'Connor, Helping Homeowners Achieve Their Dreams.
(JB Mortgage Capital, Inc.)
Comments 0
Great Start To February 2019:February 2019 mortgage rates are off to a great start as fixed mortgage rates move down to 2019 lows. Both fixed rate mortgages, such as a 30 year fixed, and adjustable rate mortgages, such as a 7/1 ARM have improved in recent weeks as fear of a slowing economy, an es...

By Cary Carlen, NO Second Signature EVER-Excellence in NON-QM!
(HomeXpress Mortgage)
Comments 0
What makes us different?No Second signature Use appraisal in another lenders nameCo- Borrower credit score do not matter.80% rental income usedFlexible expense factor No Reserves to 85% LTVVROB-Air BNB No problemBorrower Prepared P&LMultiple streams of income. Most important... SERVICE.... SERVIC...