Why do I need mortgage insurance?

Is there any reason to pay for mortgage insurance if you don't have to? If I pay off my whole mortgage on time, is there any benefit for me or is mortgage insurance entirely for the lender's protection?

Seller financing?

What is seller financing? Should I know what it means/is it something important??

Hard money lender vs. subprime lender?

What is the difference between a hard-money lender and a subprime lender?

No charge for appraisals

I'm located in Florida. Are there any lenders that will do my mortgage and not charge for an appraisal?

I've applied for a HELOC based on my bank telling me that I couldn't get...

How can I cancel this app so I can get to another bank to get the proper help I need?

What is good rate for refinance HARP 2.0 California?

What is truth lenders & disclosures?

What is a prepayment penalty?

Refinance without HARP

I purchased a home in August 2010 for 500k but a recent appraisal puts the value at about 440k and I want to refinance. I know i missed the May 2009 cutoff for Harp refinancing but I really need to redu...

Employed overseas, employment history verification

I was employed in Australia for the past few years but I am now living in the US and trying to get a loan. My mortgage broker wants verification of my employment history but the company that I worked fo...

Interest rates up front? Any way to fix that?

I was supposed to close with my bank on the 31st but my bank pushed back the date to the 7th. Apparently now I have to pay the interest up front from the closing date until the end of the month. How exa...

Appraisal waiver only for HARP loans?

My loan is owned by Fannie Mae and I'm trying to do a refiance. Can a appraisal waiver only done if you are doing a HARP 2.0 Refi Plus (manual underwrite)? Or can one also be done for HARP DU Refi Plus...

Joint Owner

As it turns out the other owner (now deceased) has had a couple of liens placed on this estate. One of which is by the IRS. The amounts are more than the profit I would gain from the sell of the estate....

Can we get a First time Home Mortgage with a credit score of 603 and No ...

Joint Deed

I am joint owner of a property in which the other owner died, but I am not on the bank note (mortgage) Am I responsible for the mortgage payments? I DO NOT live on or near this property.