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Mortgage Articles and Advice

How Much House Can You Afford?

   Debt-to-income Ratios

   Your Monthly Income - the way Lenders Figure it

   Your Maximum Monthly Mortgage Payment

   The Rest is Easy - Sort of

Your Down Payment Affects Everything Else

   Analyzing Your Savings - the First Step

   Mortgage Program Choices

   Shopping for Interest Rates

   Writing Your Offer

   Conclusion - Look at Your Savings First

Documenting Your Assets & Verifying Your Down Payment

   You can't just "come up" with the money

   Checking, Savings, & Money Market Accounts

   Stocks, Bonds, Mutual Funds, etc.

   Gifts from Family Member

   401K or Retirement Accounts

   Selling Personal Property

   Help from Employers

   Savings Bonds

   Borrowing to Come up with a Down Payment

Where Does Mortgage Money Come From?

   The Olden Days

   How it works now

   Mortgage Backed Securities

Different Types of Lenders
   Mortgage Bankers
   Mortgage Brokers
   Wholesale Lenders
   Portfolio Lenders
   Direct Lenders
   Savings & Loans
   Credit Unions

Advantages of Different Types of  Lenders
   What kind of Lender is Best?
   Portfolio Lenders
   Banks and Savings & Loans
   Mortgage Bankers
   Mortgage Brokers
   Wholesale Lenders

When Realtors or Builders Recommend a Lender

Things You Need When You Apply for a Home Loan
   "Alternate" Documention versus Full Traditional Documentation
   The Actual List of things you need to get a quick loan approval

Closing Costs When Buying or Refinancing a Home
   Lender Associated Costs - the "normal" ones
   Lender Associated Costs - the "other" ones
   Items Paid in Advance
   Impounds or Reserves
   Costs not Associated with the Lender
   Refinancing Associated Costs
   Asking the Seller to Pay Closing Costs - Advice and Rules

Mortgage Interest Rates - How it Works
   A Loan Officer's Rate Sheet
   Pricing the Loan
   Quoting Rates to You
   Locking in Your Rate
   Shopping for Rates
   Getting Reliable Quotes


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Leolinda Bowers
Ken Meade Realty


Equal Housing Opportunity

Phone: 623-937-5701

Mobile: 602-403-6865

Home Page:  www.leolinda.com

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Leolinda Bowers
Long Realty West Valley
Ph: (623) 937-5701Fax:(623) 321-1117
Surprise, AZ 85374 US
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