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7 result(s) displayed (1 - 7):

July 02, 2012

What is Mortgagor vs Mortgagee

Mortgagor vs. mortgagee is a term that anyone planning to buy a house with bank funds needs to learn about. When people obtain home loans they mortgage the property by entering into a legal contract with the bank.

Mortgage notes identify the mortgagor vs. mortgagee, along with details of the loan including interest rates, installment amounts, and payment dates. Mortgages are secured with promissory notes that include mortgagors' signatures to verify they understand the terms of the agreement and will pay back borrowed funds.

Mortgagee refers to the individual or lending institution providing funds needed to buy real estate. The property is used as collateral and the Mortgagee places a lien against it until the note is paid in full.

Real Estate Investing article on "What is Mortgagor vs Mortgagee "

June 11, 2012

Buying a Short Sale

If you're thinking about buying a short sale it is imperative to spend time learning about the process. People are often under the impression this is the best approach for getting cheap homes, but this is rarely the case.

For the most part, buying a short sale leaves buyers at the mercy of the bank. Unfortunately, banks can change their rules throughout the negotiation process. They might ask for more money, demand property inspections and appraisals, and other items that increase the original purchase price.

Short sale properties include residential homes, commercial property, and vacant land that have entered into preforeclosure because borrowers defaulted on their mortgage loan. Banks allow property owners to list their realty through an agent at a price lower than their loan balance.

Real Estate Investing article on "Buying a Short Sale "

October 05, 2011

Fannie Mae Loan Mortgage Programs

Fannie Mae loan mortgage programs are available to help people buy affordable houses; alter mortgage terms through refinancing, loan modification, and other options; and avoid foreclosure through alternatives such as short sales or deed in lieu.

Several new Fannie Mae loan mortgage programs have been instituted since the mortgage crisis led to millions of foreclosure. These include: Hardest Hit Fund, Deed-For-Lease, and Fannie Mae Mortgage Help Centers where homeowners can obtain housing counseling to review and apply for mortgage programs.

Hardest Hit Fund is offered in 19 states and aimed at helping homeowners who are experiencing financial hardship due to unemployment or underemployment. Eligibility criteria varies by state, so homeowners will need to spend time learning about what is available in their state.

Real Estate Investing article on "Fannie Mae Loan Mortgage Programs "

June 24, 2010

Florida Mortgage Refinance

Homeowners in the Sunshine State often turn to Florida mortgage refinance in order to reduce monthly payments. Although refinance rates can range between 2- and 5-percent of the loan value, obtaining a reduction of 2-percent can substantially reduce the overall cost of home mortgages.

By entering into Florida mortgage refinance, borrowers can sometimes obtain cash back which can be used to pay off credit cards, make home improvements, or pay for college tuition. Florida refi is also a good option for homeowners who own investment properties used for seasonal or long term rentals.

Real Estate Investing article on "Florida Mortgage Refinance"

January 23, 2009

File Bankruptcy Online

Many people would prefer to file bankruptcy online, but even with modern technology this option is not yet available. You can, however, locate bankruptcy forms and bankruptcy attorneys via the Internet. Important information regarding various bankruptcy chapters and the new bankruptcy laws can also be found online.

Although you can't file bankruptcy online, the Internet provides numerous tools and resources to assist with filling out forms and preparing financial calculations. Many people prefer to use bankruptcy software, while others prefer hiring a bankruptcy lawyer to help them prepare legal documents and represent them in court.

Real Estate Investing article on "File Bankruptcy Online"

January 02, 2009

Mortgage Bankruptcy

Mortgage bankruptcy refers to the 'Conyers Bill' which was enacted by legislation in 2007. The mortgage bankruptcy bill is highly controversial because it modified the new bankruptcy laws which took effect in 2005.

The mortgage bankruptcy bill requires borrowers to provide evidence they are incapable of obtaining the financial means to become current on delinquent mortgage payments to stop foreclosure.

Real Estate Investing article on "Mortgage Bankruptcy"

November 24, 2008

Foreclosed Homes

Are foreclosed homes a smart investment? The answer is a resounding, Yes! But, there are a few catches. First, you need to understand the foreclosure process. Secondly, you need to be able to wait out the housing crisis.

Currently, more than 11,000 million foreclosed homes sit vacant. Nearly every metropolitan city street is peppered with distressed properties in need of repair. The majority of these houses are priced to sell. While purchasing houses under market value is the key to turning a profit, it is of particular importance to thoroughly inspect every inch of foreclosure real estate.

Real Estate Investing article on "Foreclosed Homes "