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While both title and mortgage are associated with property ownership, they are two different things. Title applies to the evidence of real estate ownership or to the right of ownership. Mortgage is a lien against the property, held by the lender. Mortgage gives a lender the ability to foreclose shou
How Federal Rates Are SetTwo sets of federal rates are relevant to mortgages: the federal funds rate and the rates paid on U.S. government Treasury securities.According to the Federal Reserve Bank of New York, the federal funds rate is the interest rate that banks charge each other for...
An ARM, or Adjustable-rate mortgage, offers an alternative to the traditional fixed-rate mortgage. Over the life of an ARM, its interest rate can fluctuate up and down. Whether an ARM provides a cost-effective type of mortgage depends upon the future of the market and economy as well as the borrower
Bankruptcy protection is available under several Chapters under U.S. law. The most common types of bankruptcies are Chapter 7 and Chapter 13. Under Chapter 7 bankruptcy, most or all of your debts are canceled. Under Chapter 13 bankruptcy, you are ordered to complete a repayment plan designed by the
Retirees must generally comply with the same home loan guidelines as non-retirees with a few exceptions. Retirees who are on a fixed income such as Social Security or government pensions can have their income “grossed up,” which allows borrowers to show higher income than their current,
Looking for Madison mortgage company is no joke; you have to ensure that you get the best Madison mortgage company so that you get the best deal.
Health insurance helps consumers pay for medical care, treatment and prescriptions. Consumers without health insurance must pay for the entire cost for medical care themselves. There are ways to reduce the cost of health care, thus allowing you to get the care you need.
In the current economy, there are many issues. For senior citizens living on a set cash flow, many of these issues can certainly be life-changing. This article is about how changes in the current stru
Bad credit home loan refinance is gaining immense popularity among the people who have low credit ratings. However, you must be cautious while approaching such a loan in order to avoid scammers. Are you looking ...
The ongoing recession and collapse of the housing bubble affected the housing market nationwide.
Located in southwest Virginia, Gate City has a rich pioneer heritage, which is reflected in many of its historic homes. Gate City is still a small town with a population of slightly more than 2,000 people (2011). As such, it's a quiet place to visit and visitors find themselves browsing vintage and
A reverse mortgage taken out as a line of credit has its advantages and disadvantages. A line of credit allows the borrower to use funds as needed and incur interest only on the amount of the credit line used. A line of credit also has a variable interest rate and interest costs on the loan could i
When we discuss mortgages, we talk a whole lot about ones like fixed rate mortgages and adjustable rate mortgages; however, two types of mortgages that often get discussed (and not in a good way), are
To climb the ladder in the field of health care administration, employees must obtain business and management skills in addition to having a medical background. Health care administrators oversee medical staffs and overall patient care and manage relationships with third-party vendors. While a bach
By educating yourself about the refinance market can help you handle your transaction with your financial company more carefully.