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Category Archives: Mortgages

Financial Lessons from The Big Short

The Big Short, the Oscar-nominated film about the 2008 housing crisis, is an instructive, sometimes funny, and intense human drama about fraud and greed in the financial world. The film exposes the corruption that led to the near collapse of our banking system, but offers little comfort to the millions of Americans who lost their… Read More »

What Should You Do When You Fall Behind on Your Mortgage Payments?

Falling behind on your mortgage payments can be an incredibly frightening thing. You may wonder how you will catch up, whether you will be able to keep your home or even if you might end up on the street. From the time you notice yourself falling behind on payments, you should begin to take action…. Read More »

African-Americans, Hispanics Increasingly Pushed From the Housing Market

You know your ability to buy and keep a home is influenced by financial factors like income, equity and credit history. But a recent study suggests that there’s another element at work. According to a new study by Zillow and the National Urban League, ethnicity may play a significant role in one’s success – or… Read More »

New Federal Legislation Makes it Easier to Get a Mortgage After Bankruptcy

The Federal Housing Administration (FHA)’s new “Back to Work” lending plan shortens the waiting time required to secure a mortgage after bankruptcy or foreclosure to 12 months. FHA mortgages have always been a great option for first-time or lower-income borrowers because they require only a 3.5 percent down payment. In the past, borrowers had to… Read More »

When Should I Consider Modifying My Mortgage?

Many people who have fallen behind on their mortgage payments may ask themselves, “Should I modify my mortgage?”  Try considering several factors to decide whether loan modification is right for your situation. First, understand that a loan modification is a new agreement with your mortgage provider that alters the original terms of your mortgage loan…. Read More »