Your Albany NY Mortgage from Albany NY Realtor Jon Huther of Nick DeMase & Associates Real Estate. (518) 495-9393 http://www.albany-ny-homes.com Wed, 07 Jan 2009 05:27:04 +0100 FeedCreator 1.7.2 http://www.albany-ny-homes.com/images/M_images/joomla_rss.png http://www.albany-ny-homes.com Your Albany NY Mortgage from Albany NY Realtor Jon Huther of Nick DeMase & Associates Real Estate. (518) 495-9393 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Points-Rates-and-Fees.html All of these costs will be paid upon closing your mortgage. The information below will help you to understand what... Fri, 02 Jan 2009 06:48:55 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Refinance-Loans.html If you plan to refinance your home, there are several options. A refinance means you are re-evaluating the terms, payments and... Tue, 16 Dec 2008 06:49:43 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/15-30-40-Year-Loans-in-Albany-NY-4.html What about a 15-year v. 30 year loan?The difference in payments and overall savings between a 15-year fixed-rate loan and... Fri, 14 Mar 2008 08:42:35 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Veterans-Administration-4.html Who can get a VA loan?Millions of veterans and service personnel are eligible to participate in the U.S. Department of... Fri, 14 Mar 2008 08:42:02 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-State-Programs-4.html Do states offer help to home buyers?Most states have a housing finance agency, usually located in the state capital, which... Fri, 14 Mar 2008 08:41:34 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Seller-Financing-4.html What are the benefits of seller financing?Seller financing offers tax breaks for sellers and alternative financing for buyers who can't... Fri, 14 Mar 2008 08:41:00 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Refinancing-4.html When is the best time to refinance?It depends on how long you plan to hold on to your house and... Fri, 14 Mar 2008 08:40:31 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Reversed-Annuity-Mortgages-4.html What is a reverse mortgage loan?A reverse mortgage is a special type of loan available only to older homeowners with... Fri, 14 Mar 2008 08:40:02 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Prepayment-4.html What are the benefits of pre-paying the mortgage?By making additional payments that go toward the principal balance, you can save... Fri, 14 Mar 2008 08:39:31 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Prequalifying-and-Preapproval-4.html How do you qualify as a first-time buyer?In general, lenders define a first-time home buyer as someone who has not... Fri, 14 Mar 2008 08:39:05 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Private-Mortgage-Insurance-4.html Is PMI always required on low-down home loans?A growing number of private lenders are loosening up their requirements for low-down-payment... Fri, 14 Mar 2008 08:38:27 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Parent-Gifts-Loans-4.html Do I have to disclose a parent's gift?Having generous parents is nothing to hide. An estimated one-third of first-time buyers... Fri, 14 Mar 2008 08:37:22 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-No-Money-Down-4.html Is equity sharing a good idea?Equity sharing is not as popular in a slowly appreciating real estate market as in... Fri, 14 Mar 2008 08:36:49 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Negative-Amortization.html What is negative amortization?Negative amortization occurs when the monthly payments on a loan are insufficient to pay the interest accruing... Fri, 14 Mar 2008 08:36:19 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Low-Down-Loans-4.html Can I get a HUD home for as little as $100 down?If you are strapped for cash and looking for... Fri, 14 Mar 2008 08:35:40 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Low-Cost-Loans-4.html Is there such a thing as a no-cost or no-fee loan?Not really.While some lenders occassionally promote no-cost loans,... Fri, 14 Mar 2008 08:34:57 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Lock-Ins.html How do you lock in an interest rate?Locking in a mortgage rate with a lender is one way to ensure... Fri, 14 Mar 2008 08:34:31 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Lease-Options-4.html What is a lease option?When a renter signs a lease with an option to purchase a property for a specific... Fri, 14 Mar 2008 08:33:59 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Interest-Rates-4.html Where are interest rates headed?At any one time, no one knows for sure where rates are headed. Beyond public policies... Fri, 14 Mar 2008 08:33:33 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Fixer-Upper-Loans-4.html Are there gov't programs for rehab?The U.S. Department of Housing and Urban Development's Section 203 (K) rehabilitation loan program is... Fri, 14 Mar 2008 08:33:06 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Federal-Housing-Administration.html Can I get a HUD home for as little as $100 down?If you are strapped for cash and looking for... Fri, 14 Mar 2008 08:32:39 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Fannie-Mae-4.html How can Fannie Mae help a home buyer?Fannie Mae's Community Home Buyers Program allows first-time buyers with little cash to... Fri, 14 Mar 2008 08:32:11 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Easy-Qualifier-Loans-4.html What are no-doc loans? No-doc loans are mortgages for which lenders require very little loan documentation as long as... Fri, 14 Mar 2008 08:31:37 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Mortgage-Credit-Certificates-4.html What is the Mortgage Credit Certificate program?The Mortgage Credit Certificate program allows first-time home buyers to take advantage of a... Fri, 14 Mar 2008 08:31:06 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Credit-4.html What exactly is bad credit?There are numerous types of credit report problems that would cause a lender to reject your... Fri, 14 Mar 2008 08:30:34 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Qualifying-for-a-Home-Loan-in-Albany-NY-4.html Where do I get information about housing discrimination?For information about housing discrimination, call the U.S. Department of Justice at (202)... Fri, 14 Mar 2008 08:30:08 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Home-Loan-Options-4.html Where do I get information on lease options?Contact your real estate agent (some even specialize in such transactions) or read... Fri, 14 Mar 2008 08:29:18 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Government-Loan-Programs-4.html Where do I get information on who regulates lenders?The following regulatory bodies oversee lenders:Comptroller of the Currency, Compliance Division, Washington,... Fri, 14 Mar 2008 08:28:51 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Other-Mortgage-Considerations-Whom-to-Contact.html Where do I get information on who regulates lenders?The following regulatory bodies oversee lenders:Comptroller of the Currency, Compliance Division, Washington,... Fri, 14 Mar 2008 08:28:23 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-All-Cash-4.html What about an all-cash offer?Although most home buyers could never buy a property with all cash, anyone considering such a... Fri, 14 Mar 2008 08:27:47 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Bankruptcies-Albany-NY-Foreclosures-4.html How do you clear up bad credit?There is no fast and easy way to repair damaged credit that took months... Fri, 14 Mar 2008 08:27:16 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Assumable-Loans-4.html What is a wrap-around loan? This method of seller financing is risky if the underlying first loan has a... Fri, 14 Mar 2008 08:26:43 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Appraisals-Market-Value-4.html How is a home's value determined?You have several ways to determine the value of a home. An appraisal is a... Fri, 14 Mar 2008 08:26:17 +0100 http://www.albany-ny-homes.com/Real-Estate-Tips-Articles/Your-Mortgage/Albany-NY-Alternative-Loans-4.html What are the risks of b and c loans?The major risk is the cost of the... 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