Mortgage and Refinancing Guide

Helpful information about home loans, refinancing, and other mortgage concepts, from a home loans expert

Finding your way through the home buying or refinancing process can be confusing. These helpful articles explain important mortgage industry terms and concepts in plain language to equip you with the knowledge you need to be a confident and well-informed consumer.

• 15-Year Mortgage vs. 30-Year Mortgage
• Adjustable Rate Mortgages: The Ups and Downs of ARM
• Avoiding Mortgage Scams
• Bad Credit Mortgages
• Credit Scores FAQ for Home Buyers
• Debt-to-Income Ratios Demystified
• Getting a Mortgage after Bankruptcy
• Home Buying Mistakes to Avoid
• How HARP Could Make Your Home More Affordable
• How Much Home Can You Afford?
• How New Rules Can Affect Your Mortgage Approval
• How Not Buying a Home Could Cost You Big
• How to Choose a Mortgage Lender
• How to Get Mortgage Approval
• How to Pay Off Your Mortgage Early and Save Money
• How to Save for a Down Payment on a House
• Lowest Mortgage Interest Rates
• Mortgage Escrow Accounts Explained
• Mortgage Loan Discount Points
• Mortgage: What Does It Mean?
• New VA Loan Limits for 2017
• No Down Payment Mortgages: Pros and Cons
• Piggyback Second Mortgages
• Private Mortgage Insurance Explained
• Qualifying for a Mortgage
• Should You Have Earthquake Insurance in Los Angeles?
• Should You Refinance?
• Tax Benefits of a Mortgage
• Title Insurance Explained
• To Rent or Buy in LA?
• Understanding the Closing Disclosure Statement
• What are Closing Costs?
• What is a Reverse Mortgage?
• What is LTV (Loan-to-Value Ratio)?
• What Is Mortgage Amortization?
• What Mortgage Payment Calculators Can’t Tell You
• When Should You Apply for a Home Loan?
• Why a Rocket-Powered Mortgage Could be a Dud