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Mortgage News

10 Reasons Today’s Older Workers Are Delaying Retirement

January 30, 2023 by Brett Tams

About 40% of workers say they are delaying retirement. Find out why.

Posted in: Mortgage News Tagged: 2, 2021, 2022, 401(k) plan, All, Bank, beach, before, big, business, company, couple, crash, Crisis, data, decades, discover, dream, equity, expenses, expensive, fidelity, finances, Financial Wize, FinancialWize, fire, front, gas, goals, great, groceries, Grow, health, Health care, health savings account, hold, homes, How To, Income, index, Inflation, investments, job, jobs, learned, Life, Live, man, market, Medical, medical expenses, Medicare, men, money, More, Move, needs, new, News, Original, plan, pretty, Recession, retirees, retirement, retirement account, retirement savings, right, rising prices, running, sailing, Saving, savings, Savings Account, security, Spending, spouse, stock, stock market, The Stock Market, time, will, woman, work, workers, working

Wait, Home Buying Is the Cheapest It’s Been in 20 Years?

January 30, 2023 by Brett Tams

If you happen to be in the market to buy a home, you’re probably not giddy with delight over today’s sky-high listing prices. After all, home prices continue to inch higher and higher from their near-term lows seen about a decade ago after surging for years. Knowing the home seller purchased the property for 50%… Read More »Wait, Home Buying Is the Cheapest It’s Been in 20 Years?

The post Wait, Home Buying Is the Cheapest It’s Been in 20 Years? appeared first on The Truth About Mortgage.

Posted in: Mortgage News, Renting Tagged: 2, 30-year, affordability, All, at home, Bank, Borrow, Buy, buy a home, buyer, buyers, Buying, company, Consumers, cost, down payment, DTI, expensive, Fall, FHA, Financial Wize, FinancialWize, First American, good, growth, history, home, home buyer, home buyers, home buying, Home Price, home prices, home seller, house, household, household income, Housing, Housing market, improvements, Income, index, Inflation, Insurance, interest, interest rate, interest rates, Las Vegas, loan, loan programs, low, LOWER, Make, making, market, More, Mortgage, mortgage interest, Mortgage Interest Rates, Mortgage News, mortgage pre-approval, MORTGAGE RATE, Mortgage Rates, pre-approval, programs, property, Purchase, rate, Rates, Salary, san francisco, San Jose, seller, story, time, title, Title Insurance, value, wages

It’s Time to Start Buying Stocks

January 30, 2023 by Brett Tams

The bear market may not be over for stocks, but it’s close enough to start taking positions in solid companies. Here are a few to consider.

Posted in: Mortgage News Tagged: 2022, ad, advice, bear market, Benefits, Books, Buying, couple, Discounts, Financial Wize, FinancialWize, Grow, Investing, Learn, market, Marketing, money, More, News, single, stocks, Style, time, workers

If You Took Out a VA Loan in the Past 20 Years, Look Out for a Possible Refund

January 30, 2023 by Brett Tams

Over the past few years, VA loans have been at the center of controversies related to loan churning and high prepayment speeds. In short, some veterans were refinancing their home loans at a very aggressive pace, whether beneficial to them or not. It was happening so frequently that Ginnie Mae, which guarantees the underlying mortgage-backed… Read More »If You Took Out a VA Loan in the Past 20 Years, Look Out for a Possible Refund

The post If You Took Out a VA Loan in the Past 20 Years, Look Out for a Possible Refund appeared first on The Truth About Mortgage.

Posted in: Mortgage News, Renting Tagged: before, closing, Compensation, decades, Disability, Fees, FHA, FHA mortgage, Financial Wize, FinancialWize, home, home loans, homeowners, Insurance, lenders, loan, Loans, Make, military, More, Mortgage, mortgage lenders, mortgage loan, Mortgage News, Mortgages, Moving, Original, Other, payments, Refinance, refinancing, Reviews, securities, summer, Underwriting, VA, VA loan, VA loans, veterans, veterans affairs, will

Home Builders: Housing ‘Highly Affordable’

January 29, 2023 by Brett Tams

Housing affordability remained near its highest level on record for the sixth consecutive quarter, according to the latest survey from the National Association of Home Builders. The National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI) indicated that 72.3 percent of all new and existing homes sold during the second quarter were affordable to… Read More »Home Builders: Housing ‘Highly Affordable’

The post Home Builders: Housing ‘Highly Affordable’ appeared first on The Truth About Mortgage.

Posted in: Mortgage News, Mortgage Rates, Refinance, Renting Tagged: 2, affordability, affordable, affordable housing, All, ARM, before, builders, buyers, Buying, Buying a Home, country, Crisis, earning, environment, existing, Family, Financial Wize, FinancialWize, home, home builders, Home Price, home prices, homes, Housing, Housing Affordability, Housing market, Income, index, list, low, low mortgage rates, Make, market, More, Mortgage, Mortgage News, mortgage payments, Mortgage Rates, National Association of Home Builders, new, new york, opportunity, payments, percent, programs, Rates, Salary, second, survey, title, Underwriting, wells fargo, white

Freddie Mac CHOICERenovation Mortgage Review

January 29, 2023 by Brett Tams

Freddie Mac has just launched a new renovation loan product known as the “Freddie Mac CHOICERenovation Mortgage.” While the name is a bit of a mouthful, the offering is expected to be more liberal than their existing plainly named Renovation Mortgage. The new loan program will go head-to-head with similar offerings from Fannie Mae (HomeStyle… Read More »Freddie Mac CHOICERenovation Mortgage Review

The post Freddie Mac CHOICERenovation Mortgage Review appeared first on The Truth About Mortgage.

Posted in: Mortgage News, Renting Tagged: 15-year, 2, 203k, affordable, aging, All, appliances, Appraisals, ARM, ARMs, before, Borrow, build, buyers, closing, Conforming Mortgages, cons, construction, cost, Credit, credit cards, existing, Fannie Mae, faq, Fees, FHA, Finance, Financial Wize, FinancialWize, financing, foundation, Freddie Mac, funds, great, home, home buyers, Home Improvement, home loan, home renovations, Homeowner, homeowners, homes, Housing, How To, improvement, improvements, investment, Investment Properties, items, Learn, loan, Loans, Main, Make, market, More, Mortgage, Mortgage News, Mortgages, Move, natural, Natural disasters, needs, neighborhoods, new, new home, offer, Other, painting, payments, Permits, plan, Popular, programs, property, pros, Pros and Cons, Purchase, rate, Recession, Refinance, remodeling, renovate, renovation, renovations, Review, rural, second, second home, second homes, seller, sellers, single, space, stock, time, title, Transaction, unique, updates, value, weather, will, work

Should You Take Retirement Advice from a Salesperson?

January 29, 2023 by Brett Tams

All financial advisers are legally required to act in your best interest. Still, they might have you sign that right away.

Posted in: Mortgage News Tagged: 2021, 2022, advice, agents, All, ask, assets, baby, baby boomers, banks, Benefits, big, boomers, Broker, brokerage, brokerage firms, brokers, business, Buy, commission, commissions, Compensation, Consumers, cost, country, couple, data, decades, Enforcement, ETFs, expensive, Fees, fiduciary, finances, Financial advice, Financial Wize, FinancialWize, funds, grocery, grocery list, Grow, How To, industry, Insurance, interest, internet, investment, investments, investors, job, Learn, list, low, LOWER, Make, man, Marketing, merrill, Millionaire, model, More, Most Expensive, Motivation, needs, new, offer, Other, photos, pressure, products, protect, questions, retirement, Revenue, right, safe, sales, Sell, selling, shares, stock, story, survey, time, title, trust, under, Vanguard, vanguard funds, wall, wealth, wealth management, wealth managers, will, work, workers, working

37% of American Homeowners Are Now Free and Clear

January 29, 2023 by Brett Tams

What a difference a decade makes. Back in 2009, it was a lot more common to hear about underwater mortgages than free and clear homeowners. In fact, a Deutsche Bank analyst warned at the time that 48% of U.S. homeowners would owe more on their mortgages than their properties were worth. Negative equity levels did… Read More »37% of American Homeowners Are Now Free and Clear

The post 37% of American Homeowners Are Now Free and Clear appeared first on The Truth About Mortgage.

Posted in: Mortgage News, Renting Tagged: 15-year, All, amortization, balance, Bank, borrowing, borrowing money, clear, Crisis, Debt, Economy, equity, Financial Wize, FinancialWize, fixed income, Foreclosures, front, great, history, home, home loan, home prices, Home Values, Homeowner, homeowners, homeownership, Housing, housing crisis, Housing market, Income, Insurance, interest, interest rate, liens, loan, Loans, low, low mortgage rates, LOWER, maintenance, Make, market, money, More, Mortgage, Mortgage News, mortgage payments, Mortgage Rates, Mortgages, new, News, offer, payments, principal, property, rate, Rates, Refinance, retirees, Reverse, sales, Short Sales, simple, taxes, time, title, toxic, Underwriting, utilities, wealth, Zillow

This Savings Bond Now Pays Nearly 7% — Should You Buy?

January 28, 2023 by Brett Tams

The U.S. Treasury is still offering an impressive return, but this investment is not necessarily right for everyone.

Posted in: Mortgage News Tagged: 2, 2022, 2023, 30-year, Bank, before, bond, bonds, Buy, Buying, earn interest, education, expenses, Financial Goals, Financial Wize, FinancialWize, fixed rate, goals, good, government, Grow, higher education, Income, income tax, Inflation, interest, investment, investments, Life, LOWER, money, More, new, News, planner, present, Purchase, rate, Rates, returns, right, risk, savings, savings bond, savings bonds, single, tax, tax refund, taxes, Treasury, Treasury Department, will, workers

A 30-Year Fixed in the 3% Range? Maybe, But Does Anyone Care?

January 28, 2023 by Brett Tams

The good news about the continued economic uncertainty is interest rates keep slipping lower and lower. The basic principle with regard to mortgage rates is that bad economic news pushes them down, and good news makes them rise. Fairly simple. And so over the past few weeks, mortgage rates have been inching back toward what… Read More »A 30-Year Fixed in the 3% Range? Maybe, But Does Anyone Care?

The post A 30-Year Fixed in the 3% Range? Maybe, But Does Anyone Care? appeared first on The Truth About Mortgage.

Posted in: Mortgage News, Mortgage Rates, Refinance, Renting Tagged: 30-year, All, basic, before, Buy, buyers, Buying, Buying a Home, Cash-Out Refinance, closing, Credit, Economy, equity, estate, existing, Financial Wize, FinancialWize, good, home, home buyers, home equity, home equity line of credit, home prices, homeowners, Housing, interest, interest rate, interest rates, investment, line of credit, low, low mortgage rates, LOWER, Make, market, money, More, Mortgage, Mortgage News, mortgage payment, Mortgage Rates, natural, new, News, party, points, Popular, property, property values, rate, Rates, Real Estate, Refinance, Rent, rich, right, risk, simple, sustainable, time, title, wants, will
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