Lending / Financial

Buying real estate is even more challenging for those of us whose eyes glaze over at the mere mention of decimals, percentages or anything else that even hints of mathematics.

The financial aspect of purchasing the largest investment of your lifetime, though, is the most important. Nobody wants to lose money. Nobody wants to leave money on the table.

If you're in the market for information on mortgages, credit scores and interest rates, you've come to the right place. The financial and mortgage pros here at ActiveRain even tell you how to shop for and compare lenders, how to raise your credit score, how to get a mortgage after a short sale or foreclosure and how to get pre-approved for a mortgage loan. Even Mom and Dad can't give the great advice you'll find here at ActiveRain.

Plan to spend some time here because ActiveRain's content library is massive. Lucky for you we've arranged it so that it's über user-friendly. You'll be amazed at how easy it is to put your finger on just the information you're looking for without having to surf a million other pages.

Trending blogs on Lending / Financial


By Bob Thompson, 562.344.5626 | Stated Income & HELOCs, BT Capital Advisors - Commercial & Residential
(BT Capital Advisors, CEO/Senior Account Executive)
Comments 0
(NIVA) Home Equity Line of Credit (HELOC) No Income Verified - Verified Assets Owner-Occupied, Non-Owner Occupied and Second Homes, SFR's, 2-4's and Condos. 620+ FICO needed. Must provide proof of at least 6 months of PITIA reserves. 700+ FICO 3.88% rate for the first 6 months. Loan amounts from ...

By Eric Robb, Real Estate Consultant serving Metro Atlanta
(Robb Realty)
Comments 0
Aside from choosing the Johns Creek home you want to make an offer on, deciding what type of financing to secure and from what lender is arguably one of the biggest decisions you’ll make as a homebuyer. This week we have included three tips to help you choose the right mortgage lender for you. Sh...

By Gary D. Whidby, CPA, IRS Administrative Tax Law Representation
(Gary D. Whidby, CPA)
Comments 6
For the vast majority of taxpayers, there is not much need to worry that you will be audited. https://statewidecpa.com/blog/2018/11/my-blog In 2016, only 0.6% of individual income tax returns were audited according to the IRS 2017 Data Book. Why? For starters, the IRS budget has been cut resulti...

By Karen Schimpf, When the Bank Says No, I CAN Get Your Deal CLOSED!
(Commercial Capital Ltd.)
Comments 1
  https://flic.kr/p/onAAHX Government Shutdown Stops SBA Funding (But we can help!)I was in school when I read a book called, “The Art of the Deal” by Donald Trump. I believe that is the first place I read that the person who wins a negotiation is the person willing to walk away. So if you ask me...

By Tom Rex, CPA, USTCP, Tax Problem Resolution
(Thomas G Rex CPA)
Comments 2
The Tax Cuts and Jobs Act (TCJA) limited the amount of state and local taxes individuals can deduct in a calendar year to $10,000, or $5,000 if married filing separately. This applies to income, real estate, and sales taxes.  There may be some tax planning possibilities for timing when these taxe...

By Chris Thomas
(The Mortgage Experts at America's Mortgage, a Division of Cherry Creek Mortgage Co.)
Comments 1
Here's another common question:Q: What does POC mean on a Good Faith Estimate and a Final Settlement Statement?A: POC stands for Paid Outside of Closing, and refers to any fee that is not being disbursed at the closing. The two most common POC charges are the appraisal fee (if it has been paid by...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
For the Week Ending January 4, 2019 Please enjoy this quick update on what happened this week in the housing and financial markets.   December's private payroll saw its biggest monthly increase in nearly 2 years, suggesting sustained strength in the labor market despite ongoing financial market ...

By Melanie Cameron, The Cameron Team
(Coldwell Banker Sea Coast Advantage)
Comments 0
Realtor Melanie Cameron of The Cameron Team speaks with Chris Hutchens, Branch Manager and V.P. of Mortgage Lending at Guaranteed Rate, about the services he and his mortgage lenders provide. If you're thinking about buying a home in the Wilmington area and need to finance the purchase, consider ...

By Real Living GreatWest
(Real Living GreatWest)
Comments 4
One of the major problems in the mortgage industry today is, most potential home buyers over estimate how much home they can afford. I will discuss how your bank evaluates your income and how you can use what the banks use to figure out how much you can spend. The two major ratios that banks use ...

By Endre Barath, Jr., Realtor - Los Angeles Home Sales 310.486.1002
(Berkshire Hathaway HomeServices)
Comments 41
 Fresh off the press:  In House Realty a Quicken Loans affiliate and a subsidiary of Rock Holdings Inc.  acquires ForeSalebyOwner.comInterestingly, or should I say ironically, yesterday I was commenting on a question about Quicken Loans. How ironic is it that, today I am reading a breaking news p...

By Ginger Harper, Your Southport~Oak Island Agent~Brunswick County!
(Coldwell Banker Sea Coast Advantage)
Comments 2
Great one and I will share with my sphere of influence.      What You Need to Know About Credit Freezes When Buying a Home     Currently, I'm working with clients that had chosen ... prior to their mortgage application ... to place a Credit Freeze on their credit file and credit accounts ...They ...

By Margaret Goss, Chicago's North Shore & Winnetka Real Estate
(Baird & Warner Real Estate)
Comments 0
Freezing weather keeps everyone safe and warm inside their homes. Freezing your credit information basically does the same thing: keeps your credit safe and protected from the outside world.Some people have had nasty encounters with fraud and have frozen their accounts for years. This article exp...

By Karen Feltman, Relocation Specialist in Cedar Rapids, Iowa
(Cedar Rapids/Iowa City, IA KW Legacy Group)
Comments 2
This is a great blog post regarding credit freezes and how they are used and released during the mortgage process. After some of the credit breaches and identity theft issues in the past few years, I can understand why many people are taking extra precautions with their credit. Shared from Gene M...

By Cynthia "Cyndi" Cook, Residential Real Estate Sales and Vacation Rentals
(Keller Williams Realty Alabama Gulf Coast)
Comments 1
    What You Need to Know About Credit Freezes When Buying a Home     Currently, I'm working with clients that had chosen ... prior to their mortgage application ... to place a Credit Freeze on their credit file and credit accounts ...They had decided to take that action after the discovery of 2...

By Sally K. & David L. Hanson, WI Realtors - Luxury - Divorce
(EXP Realty 414-525-0563)
Comments 9
The New Year is bringing changes in tax laws...and  knowing them certainly helps prepare you for the year ahead. While in some cases, that may mean you cannot change your present situation...it  may mean how you make changes in how you plan for the year ahead.Mortgage interest deduction reduced t...

By Patty Clark, Helping Families Move with Care
(Morningside Homes, LLC)
Comments 0
Eliminate FHA Mortgage Insurance Mortgage insurance premium can add almost $200 to the payment on a $265,000 FHA mortgage.  The decision to get an FHA loan may have been the lower down payment requirement or the lower credit score levels, but now that you have the loan, is it possible to eliminat...

By James Wade, Tax attorney serving clients in Portland, ME
(Law Office of James D. Wade)
Comments 0
The King is Dead! Long Live the King!Out with the old and in with the new. Old reliable Form 1040 has gone through an overhaul. Farewll to the long-form, short-form and EZ form. We have now a "postcard" sized tax return. It is two half pages, which can be supplemented by additional schedules if t...

(Chapman Hall Premier Realtors)
Comments 0
Mortgage insurance premium can add almost $200 to the payment on a $265,000 FHA mortgage.  The decision to get an FHA loan may have been the lower down payment requirement or the lower credit score levels, but now that you have the loan, is it possible to eliminate it?Mortgage Insurance Premium p...

By Kimo Stowell, REALTOR Associate® RS-76763 - Honolulu Hawai'i
(HI Pro Realty LLC RB-21531 )
Comments 0
  Oahu Housing Sales in December 2018 according to resales figures released this week by the Honolulu Board of REALTORS®. The analysis conducted by the Board, using data collected from its computerized Multiple Listing Service (MLS) system, offer the following statistics: Single-Family Home Resal...

By Dora Griffin, NMLS 6380
(D A Griffin Financial.LLC)
Comments 0
ARE RISING RATES DRIVING HOME BUYERS AWAY? In Northern Kentucky 2018 was a tough year to be a home buyer. Defined as a seller's market like most of the U S, if one were looking to buy you needed to be paying attention all the time. For home buyers having a real estate agent who was on the ball wa...