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Washington has a new plan to help 400,000 homeowners avoid foreclosure
But will it work any better than previous federal programs? ...
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MORTGAGE FEATURES
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FEATURED STORIES
Mortgage rates jump back up
After a tumultuous year full of ups and downs, most home loans cost almost exactly the same as last summer.
How much house can you afford?
Follow these simple rules and you'll have no trouble making your monthly mortgage payments.
How to find the best loan for you
You want the lowest rate and smallest monthly payment from your lender. Follow our plan to land a great deal on your mortgage.
FHA loans can help first-time buyers
If you have little or no money for a down payment, or iffy credit, this could be what you need.
The 7 biggest mortgage mistakes
Avoid these pitfalls and you'll save time, money and aggravation
10 smart moves for buying a foreclosure
You'll save 10% to 20% -- even after repairs -- if you get a good deal and avoid all the costly pitfalls.
What's going on with jumbo loans?
Although interest rates are down for some types of large mortgages, lenders are still demanding big down payments.
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NECESSARY MUST DOS
Determine a home's walkability before you buy
Here's a Web site that determines how far it is from schools and stores, and scores how much you can do on foot.
Count child support and alimony as income
They can boost your total earnings and help you qualify for a mortgage if you have proof they're actually being made.
Take advantage of more than 2 million empty homes
Whether it's owned by a bank, builder or individual, a vacant home gives you more leverage to pay less and dicker for incentives.
Get three bids for home insurance
Your lender will insist that you have a policy that's paid for, and in effect, when you close on your home purchase.
Consider a 5/1 ARM
These adjustable-rate mortgages are suddenly offering good enough rates to be an alternative to fixed-rate loans.
Expect unexpected expenses
First-time buyers should be prepared to spend at least $100 a month on routine maintenance and improvements.
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LATEST TIPS
Home sales slow but stable
We're now buying just under 5 million homes a year, about a million fewer than during the go-go years of the real estate boom.
Mortgage rates surge in latest survey
The average conventional 30-year, fixed-rate mortgage now costs 6.77% while the average jumbo loan costs 7.68%.
The best cities to buy a home
Places with rising home prices and low vacancy rates, such as Houston and Austin, top this list from Forbes magazine.
Banks look at new system for pricing loans
It's the same one airlines, hotels and other businesses use to charge different prices for the same service.
Mortgage insurance more costly, tougher to get
Insurers are boosting premiums and qualifying standards because of falling home prices and record default rates.
Banks' new scheme to sell foreclosed homes
They're offering eye-popping discounts to attract potential buyers and then asking for a higher bid.
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MORTGAGE CALCULATORS
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Mortgage calculator
Calculate the monthly payments for any fixed-rate loan. Just enter the amount and terms.
Rent or buy?
Know when to buy your first home by considering all of the costs and tax breaks.
Should you refinance?
That depends on how much you’d save with a new mortgage.
How much must you earn?
Determine the minimum income you’ll need for the mortgage you want.
How much home can you afford?
Figure out how much you can borrow based on how much you make and how much you owe.
Fixed-rate or adjustable-rate mortgage?
Compare monthly payments to find the right type of home loan for you.
ARM calculator
Calculate the payments for any adjustable-rate mortgage. Just enter the amount and terms.
Does a cash-out refi make sense?
See what it would cost to consolidate auto and credit card debt into a new mortgage.
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WORK SHEETS
10 questions for mortgage lenders
Find the best possible loan by getting all the information you need.
Mortgage buying checklist
Keep this complicated process on track right through a successful closing.
Questions to ask about homeowners insurance
The answers will help you get the right coverage and the best possible price.
12 refinancing questions
What to ask potential lenders when you need a new mortgage.
Create a budget
Manage your money more effectively with our easy-to-use work sheets.
Build an emergency fund
Figure out how big your financial cushion should be.
Dealing with debt
Take a comprehensive look at all your bills and develop a plan to pay them off.
Fix credit report mistakes
Use this form letter to dispute errors.
DASHBOARDS - TODAY'S RATES AND TRENDS
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MORTGAGE REPORTS
FEATURED:
Home prices
How they're changing in 140 cities
First-time buyer
Which mortgage is right for you?
FHA loan limits by county
Maximum loan limits set by FHA
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MORTGAGE Q&A
FEATURED:
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Is it an offense to buy a less expensive house and then short sale or foreclose the current one?
Q.
Can you be considered a first-time home buyer if you've owned a home before?
Q.
Can I cosign for my father's refinancing without putting my name on the title?
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mortgage rates
7/25/2008 9:44:42 AM
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