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 Article Directory   Author   James Hussher
 

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Published Articles:24
Total Article Views:6,144 (unique visitors)
James Hussher
(USA)Author

James Hussher's Articles

Articles by: James Hussher

Recent Articles

How Much Money Should You Borrow?

Although you may understandably be tempted to borrow whatever amount of money your lender is willing to give you, it's important to think carefully about how much you are actually going to need to ..
(June 17, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 281

How to Score For a Lower Interest Rate Tips

A good credit score translates into lower interest rates for you, the borrower. In the lender's view, the higher your score is, the less of a risk you are, and the more likely it is you that will pay .
(June 17, 2008)
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 | Finance/Credit | Visitors: 208

You Can Buy and Rehab a Home With an FHA 203 K Loan!

There is a type of mortgage offered by the FHA (Federal Housing Authority) that many consumers are unaware of. It is called a 203-K loan. FHA-approved lenders may offer this type of loan. The U. S. ..
(July 01, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 170

What is Title Insurance and Why Do I Need It?

Title insurance offers a guarantee that the title you or the lender holds to a piece of property is “clear" of liens or other title clouds, as we will explain below. First off, let's define ..
(July 02, 2008)
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 | Insurance | Visitors: 202

Why Use an Online Mortgage Broker For Your Loan?

OK, so you want to buy a home, or you feel it is time to refinance the mortgage loan you already have. Great! Now what? There are hundreds of banks and other lenders on every corner, aren't there? ..
(July 06, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 156

Why Pre Qualify For a Mortgage?

You may have heard or read about getting “pre-qualified" or “pre-approved" for a mortgage while you are shopping to buy a home. What is the difference between these two terms, and what ..
(July 06, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 165

Buy Your Home With Nothing Down Using Down Payment Assistance ..

Down payment assistance programs (DPA or DPAP) are a form of gift funds you can utilize to cover the necessary borrower percentage of investment lenders require. These funds are a gift from a ..
(July 06, 2008)
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 | Real-Estate/Buying | Visitors: 369

Commercial Real Estate Mortgages Basics to Getting Your Loan!

There is quite a difference in the process of obtaining a commercial real estate mortgage versus obtaining a loan to buy or refinance residential property. In this article we will examine some of ..
(July 06, 2008)
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 | Real-Estate/Commercial-Property | Visitors: 296

Can a Foreclosure Prevention Service Help You Keep Your Home?

Many homeowners are facing the prospect of losing their homes to foreclosure in today's real estate climate. This has come about for many reasons, chiefly declining property values and ..
(July 12, 2008)
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 | Real-Estate/Foreclosures | Visitors: 212

Points Versus No Points

"Points" are, for many first-time homebuyers and even for homeowners thinking about refinancing, often misunderstood. Points are nothing more than interest paid up-front at closing in order to obtain .
(July 12, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 237

Buying a Home What You Need to Know!

Purchasing a home, especially for the first time, will bring many questions to your mind.   And rightly so, as a home is the largest investment, and a mortgage the largest financial transaction the ..
(July 12, 2008)
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 | Real-Estate/Buying | Visitors: 255

Home Purchase Contract What a Buyer Needs to Know!

Purchasing your first home can appear very complex, there are so many rules and laws to be followed! There are a number of clauses in your purchase agreement (PA) you must understand because they can .
(July 12, 2008)
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 | Real-Estate/Buying | Visitors: 405

Home Ownership After Purchase Now What?

So you have finally found and purchased your home!  Your little slice of the American dream!  Congratulations!  The hardest step is behind you.   In your upcoming years you will probably purchase .
(July 21, 2008)
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 | Real-Estate/Buying | Visitors: 223

Closing on Your Home Purchase What to Expect

Finally, your are now in the “home stretch" of owning your home! Your loan has been approved and funded.   Here is  what you may expect in the final meeting for signing all the paperwork, ..
(July 21, 2008)
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 | Real-Estate/Buying | Visitors: 304

Buying a Home What is All This Paperwork?

When you purchase a home, you may, as a first-time buyer, be overwhelmed by all the paperwork and fees involved! Understandable. Your home purchase will probably be the single largest financial ..
(July 21, 2008)
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 | Real-Estate/Buying | Visitors: 241

Down Payment Many Ways to Come Up With Yours!

As a borrower, a lender will expect you to make a personal investment in the property you are buying that you want the lender to finance. Understandable in this era of high default rates. If you have .
(July 21, 2008)
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 | Real-Estate/Buying | Visitors: 225

Equity Management Put Your Equity to Work For You!

Mortgage planners are a sub-set of financial planners and one area of guidance they offer is “Equity Management".   Equity in a property makes no interest.   It may often be better utilized ..
(July 21, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 144

Property Taxes on Real Estate The Basics

Death and taxes are certain, true.   Homeowners will always face taxes on the value of their property.   This is the chief revenue source for local governments to fund services.   But as an ..
(July 21, 2008)
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 | Finance/Taxes-Property | Visitors: 524

My Home Equity Line of Credit Was Just Cut Off What Should I ..

Lenders have been freezing or cancelling home equity lines of credit  (HELOC) for homeowners recently.   This has been in response to declining property values.   This can really be hurtful to a ..
(July 25, 2008)
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 | Finance/Home-Equity-Loans | Visitors: 356

My Adjustable Rate Mortgage is Going to Reset Soon and I Am ..

You know the adjustable rate mortgage (ARM) you took out three years ago is going to reset (or “recast") soon. Interest rates have risen lately. Your payment will be going up and you are ..
(July 25, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 378

Rent Out Your Vacation Home

If you have a vacation home you only use a few weeks a year, why not consider renting it out?  The extra income will help with upkeep and mortgage payments, insurance and taxes, etc.   There are ..
(July 25, 2008)
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 | Real-Estate/Leasing-Renting | Visitors: 276

Buying a Home - The Underwriting & Appraisal Process Leading ..

Once you have gotten pre-qualified or pre-approved for a home loan and done the house-hunting and found a home, and signed a sales contract, the hard part for you is about done, at least for now! Now .
(July 21, 2008)
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 | Real-Estate/Buying | Visitors: 192

Veterans - Use Your VA Loan Guaranty & Buy For Nothing Down!

Veterans of the United States military -as well as active-duty military personnel - are eligible for special government-guaranteed home loans through the U. S. Veterans Administration (VA). We will ..
(July 07, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 162

Benefits of an Option ARM Loan

The Option ARM - Adjustable Rate Mortgage- can be a great loan for the right borrower. This article will outline the OPtion ARM and the mechanics and benefits of this great loan product. It is not ..
(June 04, 2008)
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 | Finance/Mortgage-Refinance | Visitors: 163