Making an Offer on a Home: How to Negotiate a Deal

Buying a home has to be one of the most exciting, yet stressful financial decision that most people will have to deal with. You can spend years saving up for a down payment, months touring homes looking for the right one, and weeks trying to find the best mortgage. With all of the effort going […]

Poll: Are You Thinking About Refinancing Your Mortgage?

Can you believe what mortgage rates are these days? As of this post Bankrate shows a 30-year fixed at around 4.6% and a 15-year down to almost 4%. That’s pretty amazing when you think about what rates were just five years ago. Back then you were probably looking at rates closer to 7%. So, all […]

Should You Refinance Your Mortgage? Rates Are Low, But It Is Still a Tough Decision

Record Low Mortgage Rates Make Refinancing Attractive Mortgage rates continue to fall to almost unheard of levels. We’re talking about 30-year fixed rate mortgages hovering under 5%, and 15-year rates at just 4%. These rates are sharply lower than just a few years ago. But just how much can you save with a lower mortgage […]

Poll: Do You Pay Extra On Your Mortgage Each Month?

For most homeowners a mortgage is just a fact of life. You get a loan and then make monthly payments for what seems like an eternity. It’s not all that bad because it does put a roof over your head and you’re using leverage to buy something that could otherwise take decades to save up […]

How to Avoid the Next Real Estate Bubble

Those who don’t learn from history are bound to repeat it and the real estate bubble will be no exception. While we may learn a lot of tough lessons and create new regulations and put legislation in place that is supposed to minimize the likelihood of something like this happening again, people seem to have […]

Do You Really Need a Mortgage In Your Twenties?

This is a guest post from MD of Studenomics. A personal finance blog for 20-somethings that want to kill debt, make some cash, and enjoy life. If you like the article, please consider subscribing for free updates. In the North American society it’s no secret that owning a home has become apart of life. For many years the adage […]