Talking Points

Being an informed borrower is in your best interest!
(You may not know what you think you know...)

Many of the topics that are in the Talking Points section are edited versions of what first appeared in the newsletter.  In depth topics are evident by their titles being in ALL CAPS.  I’ve also included Frequently Asked Questions (FAQs) in the Talking Points section.  These subjects tend to be more narrowly focused, shorter in length, and differentiated by only the first letter of each word in the title being capitalized as in Frequently Asked Questions.

 

               

 

            A 
Adjustment Caps (Q+A) 
ALT - A  LOANS
APPRAISALS
ARMs
ANNUAL PERCENTAGE RATE (APR)
Assets, What Lenders Are Looking For (Q+A)
   
            B
BI-WEEKLIES
BUYDOWNS REVISITED
   
            C
Capital Gains Tax Exemptions On Real Estate (Q+A)
Cash - Out Transactions (Q+A)
CLTV vs. TLTV (Q+A)
Mortgage Lenders Conundrum of 'Less is More'
CREDIT
Credit Default Swaps (Q+A)
   
            D
Days Off Market & Refinancing (Q+A)
Default On Your Mortgage, What Happens.... (Q+A)
DEFERRED INTEREST LOANS  (See OPTION ARM LOANS)
Discount Points vs. Rebate Points (Q+A)
DOWN PAYMENTS
   
            E
Economic Indicators, An Explication (Q+A)
Economic Outlook, Pessimistic
ESCROW, WHAT TO KNOW ABOUT
ESCROW/IMPOUND ACCOUNTS
   
            F
Fed Funds Rate vs. Prime Rate (Q+A)
FHAs
FICO SCORES
FIXED RATE MORTGAGES
FORECLOSURE, HOW TO BUY
FORECLOSURES - SELLING LIKE HOTCAKES
FORECLOSURES - THERE'S A FRESH BATCH EVERY MONTH
FOR SALE BY OWNERS (FSBOs)
FSBOs - A THEORETICAL APPROACH
   
            G
Glossary of Fees
   
            H
Hard Assets (Q+A)
HARD MONEY LOANS
HOME OWNERSHIP ACCELERATOR
HOME IMPROVEMENTS, WHICH ONE'S PAY BACK?
HOME SALE, 5 STEPS TO A QUICK....
HOUSING MARKET (HAS IT BOTTOMED?)
HOUSING TRENDS IN A BIPOLAR MARKET
   
            I
Impound Accounts (Q+A)
INDEXES
INFLATION vs. DEFLATION DEBATE
INSURANCE
INTEREST ONLY LOANS
INTEREST RATE DETERMINANTS
INTEREST RATE LOCKS
   
            J
JUNK FEES
   
            K
  No Current Entry
   
            L
Lender Compensation (Q+A)
LETTERS OF EXPLANATION
LIVING TRUSTS
Loan Contingency Removal (Q+A)
LOAN DOC PROGRAMS (TYPES)
LOAN PROGRAMS (LITTLE KNOWN)
Loan Recasts
   
            M
MISTAKES, THE SIX BIGGEST MISTAKES HOMEBUYERS MAKE (according to "Money" magazine.)
MISTAKES (TWO BIGGEST ONES BORROWERS MAKE)
MISTAKES (TOP 10 WHEN BUYING A HOME)
MISTAKES (TOP 10 WHEN REFINANCING)
MISTAKES (TOP 10 WHEN OBTAINING A HELOC)
   

MORTGAGE MELTDOWN REVISITED

Mortgage vs. Deed of Trust (Q+A)

   
 

          N

NEG - AM LOANS  (See OPTION ARM LOANS)
   
 

          O

Oil, Price of and Its' Impact on Mortgage Rates (Q+A)
"Other Income" on Loan Apps (Q+A)
   
 

          P

PORTFOLIO LOANS
POWERS OF ATTORNEY
PRE - APPROVED vs. PRE - QUALIFIED vs. APPROVALS
PRE - PAYMENT PENALTIES
Primary Residences and Second Homes (Q+A)
PRIVATE MORTGAGE INSURANCE (PMI)
Property Liens, Promissory Notes & Security Instruments (Q+A)

Property Tax, Adjusting (Q+A)

   
 

          Q

QUALIFYING

   
 

          R

Ratios, Front End and Back End (Q+A)
REALTORS (SEVEN FIRST-RATE ONES)
Reserve Requirements (Q+A)
REVERSE MORTGAGES
REVOLVING DEBT REGULATIONS, NEW
RISK ASSESSMENT
RULE #1

THE ‘RIGHT’ REALTOR

   
 

          S

Seasoning (Q+A)
SECOND MORTGAGES
Section 32 Loans (Q+A)
Settlement Fees 2.0
Shadow Inventory (Q+A)
SHORT SALES 2.0
SHORT SALES - BUYING
Stated Income Loans (Q+A)
Strategy for Owners of Investment Property, Rent vs. Sell
Straw Buyer (Q+A)
SUB - PRIME DEBACLE
Sub - Prime Loans (Q+A)
Supplemental Taxes (Q+A)
Swing Loans (Q+A)
   
 

          T

Tax - Deductibility of Paying Points (Q+A)
1031's or TAX - DEFERRED EXCHANGES
TERMS

TITLE INSURANCE

TRUTH-IN-LENDING ACT (TILA)

   
 

          U

 

No Current Entry

   
 

          V

VA LOANS

VERIFICATIONS

Verification of Deposits (Q+A)

   
 

            W

What Your FICO Score Is and Is Not
Wealth and Income Inequality 2.0

"CONFESSIONS OF A MORTGAGE BROKER" (OR WHAT MOST OF YOU DON'T KNOW ABOUT MONEY AND MORTGAGES)

WHAT WOULD YOU DO, IF YOU WERE ME?
WHAT MAKES A GOOD MORTGAGE BROKER, GOOD?
   
 

          X

 

No Current Entry

   
 

          Y

Yield Curves (Q+A)

   
 

          Z

 

No Current Entry

 

Copyright © 2019 Rod Haase.  All rights reserved.