Housing

Nothing Changes Your Finances as Much as a Change in Housing

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It changes what you own, what you owe, & your monthly expenses.

Figure Out How Moving Changes Your Finances

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To 1) cut your payment, 2) pay it off faster, 3) get cash, or 4) switch to a fixed or adjustable rate loan.

Figure Out "If You Refinance ..."

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Eight in 10 Americans choose a 30-year fixed-rate mortgage. Should you?

Figure Out Your Best Mortgage

How-To

You need to show lenders that you and your home are good investments.

How to Get a Mortgage

How-To

To get a better loan and borrow on more favorable terms.

How To Improve Your Credit

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Costs often run 3-8% of the loan amount.  Some can be split with the seller or lender.  Those you pay can often be rolled into the loan.

Learn About Mortgage Closing Costs

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A low-cost way to borrow using as collateral the equity in your home – the mortgage-free portion of the house you own.

Learn About Home Equity Loans & Lines of Credit

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It usually makes sense to use savings to pay off the mortgage after you retire, but probably not before.

Learn About Paying Off the Mortgage

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A reverse mortgage can provide cash or an income for life and allow you to stay in your home for the rest of your life.  But there are things you...

Learn About Reverse Mortgages

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It's  usually your largest expense & store of wealth. If you need more income, it’s the logical place to look.

Learn About Using Your House in Retirement

How-To

You'll sign papers that make you responsible for the mortgage loan and monthly payment.  If buying, you'll also get title to the property.

How to Close on Your Mortgage