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Articles Contributed to by Gene Neal

HARP 2.0 FAQ
The Home Affordability Refinance Program (HARP) is a refinance program that was created to assist homeowners who are struggling with financial hardships, and seeking more affordable payment plans. The underlying concept of HARP is to prevent the housing market from...
What Mortgage Term Length Should I Pick?
It's important to select the right mortgage terms in order to avoid taking out a home loan that doesn't fit your financial needs.  You need to pay careful attention to the mortgage term length you select, as the length of your loan will have a significant impact on...
Adjustable Rate Mortgage Pros and Cons
There are many loan options available to choose from to fund your home purchase.  Some loans are fixed rate mortgages and others come with rates that adjust upward or downward over time.  This latter type of mortgage is called an adjustable rate mortgage. ...
What Is a No Closing Cost Refinance?
A no-cost refinance is a refinance that doesn’t have any out-of-pocket expenses or up-front fees.  While some lenders will promote this type of refinance, it’s important to remember that nothing is truly free.  A no-cost refinance is really a...
Top 3 Mortgage Loan Types to Fund Your Home Purchase
If you need a home purchase mortgage, there are many loan options available to you.  All of them offer different benefits and drawbacks.  Three of these loan programs are reviewed below.. Conventional MortgageThis is the most common mortgage loan type.  These...
Pros and Cons of Reverse Mortgages
A reverse mortgage lives up to its name as the opposite of a standard mortgage transaction. A  traditional mortgage involves the accumulation of equity over time through monthly mortgage payments, whereas a reverse mortgage involves the dismantling of equity in a...
Reverse Mortgage FAQ
The FHA’s reverse mortgage program allows equity to be drawn out of a borrower’s home upon retirement. This particular mortgage program gives many qualifying senior citizens additional retirement income. However, there are pros, cons and...
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