HOME FINANCING

 
Home FinancingWhether you are considering financing for the purchase of a new home, refinancing an existing one or taking out an equity loan, your decisions will affect the largest financial asset in your investment portfolio, your home.

You will find this comprehensive guide helpful in understanding the different types of mortgages, your options and the general loan process. As you formulate your financing strategy our ear and advice is as close as the telephone. We want your home financing experience to be both informative and rewarding.

  • BEFORE YOU START YOUR LOAN SEARCH
    •
  • LOAN PROCESS
    •
  • SELECTING THE RIGHT MORTGAGE
    •
  • LOAN PROGRAMS
    •
  • 1ST TIME BUYERS
    •
  • HOME EQUITY LOANS
    •
  • LENDERS
    •
  • ESCROW / SETTLEMENT
    •
  • CONSUMER INFORMATION ON HOME PURCHASING
    •
  • RIGHTS, DISCRIMINATION & COMPLAINTS


    		•
    Scroll down for the complete table of contents



    BEFORE YOU START YOUR SEARCH
  • The Basics
    •
  • Where Do Mortgages Come From?
    •
  • Who Are The Lenders?
    •
  • Elements That Make Up A Mortgage
    •


    THE LOAN PROCESS
  • Preparation Checklist
    •
  • Ready, Set, Pre-Apply!
    •
  • Start Shopping
    •
  • Get Approved
  • Double Check Loan Calculations
  • Nearing The Finish Line: Closing The Loan
    •


    SELECTING THE RIGHT MORTGAGE
  • What Is The Real Cost Of a Mortgage?
    •
  • Shopping For a Loan
    •
  • Looking For The Best Mortgage
  • Selecting the Right Home Equity Loan
    •
  • What Makes Low Down Payment Loans Possible?
    •
  • Qualifying For a Low Down Payment Loan
    •


    LOAN PROGRAMS
  • Fixed-Rate Mortgages (FRM)
    •
  • Adjustable-Rate Mortgage (ARM)
    •
  • FHA Loans
    •
  • VA Loans
    •
  • Single-Family Rehab Mortgage Program
    •
  • Reverse Mortgages
    •


    1ST TIME BUYERS
  • Saving For The Down Payment
    •
  • Special Programs
    •
  • Seller Financing
    •


    HOME EQUITY LOANS
  • Types Of Home Equity Loans
    •
  • The Pitfalls
    •
  • Approving Appraisers
    •
  • Locking In Or Floating Rates
    •
  • The Best Options For Using Your Equity Dollars
    •


    LENDERS
    Professional Associations:
  • Mortgage Banking Association of America
    •
  • National Association of Mortgage Brokers
    •
  • Beware of Predatory Practices - Better Business Bureau
    •
  • Predatory Lending
    •


    ESCROW / SETTLEMENT
  • The Closing Process
    •
  • Selecting A Settlement Agent
    •
  • Selecting an Attorney
    •
  • Property Title: What Every Homeowner Should Know
    •
  • Securing Title Services
    •
  • Specific Settlement Costs
    •
  • Calculating The Amount You Need At Settlement
    •
  • Adjustments To Costs Shared By Buyer And Seller
    •
  • Hud-1 Settlement Statement
    •
  • RESPA Disclosures
    •
  • RESPA Protection Against Illegal Referral Fees
    •


    CONSUMER INFORMATION ON HOME PURCHASING AND RELATED TOPICS
  • Federal Reserve Board Consumer Information
    •
  • Department of Housing and Urban Development
    •


    RIGHTS, DISCRIMINATION & COMPLAINTS
  • Truth In Lending
    •
  • Mortgage Borrower's Rights
    •
  • Fair housing laws
    •
  • Your Right to File Complaints
    •
  • RESPA Enforcement
    •
  • Office of Fair Housing and Equal Opportunity
    •



    Your Company Name Goes Here
     1229 Lake Plaza Dr. #D | Colorado Springs, CO 80906
    Toll Free: 877.230.4795 Office: 719.355.1700 Fax: 719.355.1710
    www.yourcompany.com - support@housingmatrix.com
    This material is provided by license agreement. Any reproduction, distribution, posting, or linking
    without prior written permission from Focus Publications is expressly prohibited.
    Notices