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Loan Costs

• How can I compare the rates quoted by different lenders?
• What are "points"?
• Is a "no cost loan" really no cost?
• What does a "rate lock" mean?

Qualifying

• What does it mean to "qualify" for a loan?
• What is the difference between pre-qualification and pre-approval?
• What is a FICO score?
• If I have some credit problems in the past, can I still get a home loan?
• What does "cash to close" mean?

Insurance

• What is mortgage insurance? How is it different from homeowner’s insurance?
• What is title insurance? Why do I need it?
• How do I know whether I need flood insurance?

Mortgage Payments

• What is included in my monthly payment?
• What is an escrow account? Is that different from the escrow I had when I bought my house?
• What happens when my loan is "sold"?
• Is there a pre-payment penalty on my loan?
• If I pay extra each month, how much quicker can I pay off my loan?
• What is the benefit of a "bi-weekly" mortgage?

Applying for a Loan

• Do I have to have a property to apply for a loan?
• What paperwork does the lender need to process the application?

Refinancing

• How do I know when it is a good time to refinance?

Types of Mortgage Loans

• What is a conventional loan?
• What is FHA and VA?
• What is a conforming loan? What is a non-conforming loan?
• Why should I choose a fixed rate over an adjustable rate loan?
• Is an equity loan the same as a second mortgage?
• What is a B/C loan?

Where the Money Comes From

• Who are Fannie Mae, Freddie Mac, and Ginnie Mae... and what do they have to do with home loans?

What is title insurance?

Title insurance insures your ownership rights in the property. More specifically, it insures the ability of past owners to pass ownership rights on to you. It also insures you against loss from easements of public record which were not included in the title report, like a utility easement through your living room.

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