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Wise Money Life

Helping Consumers Make Wiser Financial Decisions

Mortgage

Whether you're just starting your home buying journey or a current homeowner, explore current mortgage topics to help make wiser decisions.

A New Bank Just Took Over My Mortgage, Now What?

March 20, 2019

Picture of house in the South east of United States

Mortgage lenders sell loans for a variety of reasons. Even though your mortgage changes hands, it doesn’t change the terms of your loan or how you will pay it back. The transaction takes place between the two lending agencies. You are basically just along for the ride. While they have to inform you of what […]

Filed Under: Mortgage

What Is HELOC and How Do I Use It? (Home Equity Line of Credit)

January 2, 2019

HELOC - Understanding Home Equity Line of Credit Article

Your home is one of the most important investments you will ever make. From the minute you purchase your home, you begin to build its value. In the beginning, most of the value is held by the lending institution but as time passes, your equity will begin to increase. It’s important to know what equity […]

Filed Under: Loans, Mortgage Tagged With: HELOC

The Pros and Cons of Living in an HOA

October 31, 2018

Pros and Cons of Living in an HOA

If you’re not careful, an HOA (homeowners association) can feel more like a nightmare than a perk. As a homeowner, you’re already paying a mortgage and taxes. For some, an HOA fee might seem like an added stress or unnecessary expense. However, HOAs wouldn’t be so prevalent if they didn’t actually come with some cool […]

Filed Under: Mortgage

What Is an FHA Loan?

October 12, 2018

What Is an FHA Loan

FHA loans are often popular with first time homebuyers. These government backed loans are insured by the Federal Housing Authority (FHA). Compared to a conventional loan, FHA loans require a lower credit score and down payment. This makes them more attainable for potential homebuyers. There are a few options with FHA loans when it comes […]

Filed Under: Mortgage Tagged With: fha, first time homebuyer

How Some Teachers Are Buying Homes for 50% Off

October 10, 2018

Teacher Home Buying Programs

We highlighted a few special down payment programs available for teachers recently, but did you know that some teachers are buying their homes for up to 50% off? Before you call “BS”, understand that you’re not the only one who hasn’t heard about this yet. Most teachers aren’t aware of these discount home buying programs, […]

Filed Under: Mortgage

Here Are the Down Payment Assistance Programs You Should Know

October 3, 2018

Best Down payment assistance programs

Jumping from a renter to a homeowner can have significant financial savings. Many financial experts believe that owning a home is a major asset, and that it’s essentially forced savings. Rather than putting your hard earned money into rent, you use it to build equity in a home you own. However, for many Americans, the […]

Filed Under: Mortgage Tagged With: downpayment

5 Things First Time Homebuyers Need to Do Before Buying

September 24, 2018

5 Things First Time Homebuyers Need to Do Before Buying

The first time home buying process can be fun, exciting, and super confusing. Beyond looking through Zillow listings, there are a few things that every first time homebuyer should know (and should do) before taking the plunge. Are you ready to go from renter to owner? 1. Know Your Credit Before Home Shopping It’s not […]

Filed Under: Mortgage Tagged With: credit, first time homebuyer, mortgage

Homeowners Are Scrambling to Claim Their Benefit (up to $355/month) Before It Expires

June 3, 2018

Homeowner Mortgage Reduction Stimulus

UPDATE: The HARP program has expired as of 1/1/2019. There are other great mortgage programs available to help with refinancing and purchasing a new home. Homeowners can claim up to $4,264 a year Government wants to pay off your current mortgage HARP program is free to check eligibility Lower your interest rates Check eligibility in […]

Filed Under: Mortgage

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