http://www.smartmortgagemarketing.com Answers to Your Mortgage Questions Tue, 20 Sep 2011 16:11:20 +0000 http://backend.userland.com/rss092 en You might think it's strange that I'm creating a 2010 checklist for FHA loans, since it's only October 2009. But it actually makes a lot of sense. If you plan to buy a house next year, and you want to use an FHA home loan to pay for it, you ... http://www.smartmortgagemarketing.com/2010-fha-home-loan-checklist/ FHA home loans are surging in popularity lately, and for obvious reasons. Many first-time home buyers do not have much money saved up for a down payment, so they use FHA loans to finance their first home purchase. When you combine the benefits of these loans with the hard economic ... http://www.smartmortgagemarketing.com/fha-loan-down-payment-information-for-2009/ Are you in the market for home refinancing? If so, you've probably heard a lot about FHA mortgage refinance in the course of your research. In this article, I'll talk about your FHA refinancing options and how they can be used to get a lower interest rate on a mortgage ... http://www.smartmortgagemarketing.com/fha-mortgage-refinance-for-lower-interest-rates/ Reader Question: "We are in a position to buy our first home, but we're not sure whether to buy now or wait until the interest rates go lower. Is there any way to know how low mortgage rates will go in 2009?" If you ask twenty different mortgage or real estate ... http://www.smartmortgagemarketing.com/how-low-will-mortgage-rates-go-in-2009/ Reader Question: "I plan to buy a home later this year, and it will be my first real estate purchase. What are the basic steps to buying a home for the first time? I'm mostly interested in how to get started." Since you're most interested in the beginning of the process, ... http://www.smartmortgagemarketing.com/steps-to-buying-a-home-for-the-first-time/ Reader Question: "I have heard that an FHA loan is a good option for buyers with little money to put down. But I've also heard that the qualification requirements for FHA home loans in 2009 have become stricter. Is this true? What are the basic requirements to qualify for one ... http://www.smartmortgagemarketing.com/fha-home-loan-requirements-in-2009/ Reader Question: "I do not have a lot of money to pay for closing costs on a mortgage. I have heard that in the past some lenders offered loans with no closing costs for first-time buyers. Are these still available? And if so, where would I go to find them?" Whether ... http://www.smartmortgagemarketing.com/are-no-closing-cost-mortgage-loans-still-available/ Reader Question: "My husband and I are planning to buy a home soon. We have heard good and bad things about using a mortgage broker to find a loan? Why do people use mortgage brokers and when is it a good idea?" In many cases, first-time home buyers don't even realize ... http://www.smartmortgagemarketing.com/why-use-a-mortgage-broker-when-buying/ Reader Question: "My husband and I plan to buy our first house later this year or early next. I was wondering how much I can afford to spend on a house for the first time. How does a mortgage lender decide what I can afford to pay for a home?" You've ... http://www.smartmortgagemarketing.com/how-much-can-i-afford-to-spend-on-a-house/ Reader Question: "My mortgage lender said I need to have a homeowners insurance policy in place before I can close on the home. What does this insurance cover and how much does it cost?" I can't answer the cost question for you, because there are too many variables at work. The ... http://www.smartmortgagemarketing.com/what-does-homeowners-insurance-cover/