financing
Ronna Gershberg`
Real Estate Professional
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(P) 954-693-0127
Berkshire Hathaway HomeServices Florida Realty
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Financing
Creative Financing
Q: What is an assumable mortgage?
Q: Can I split my mortgage in two and pay biweekly?
Q: What is a two step mortgage?
Q: Is equity sharing a good idea?
Q: Are shared equity and shared appreciation mortgages the same?
Q: Should I consider a 'B', 'C', or 'D' paper loan if I have bad credit?
Q: What is a balloon mortgage?
Q: How do growing equity mortgages work?
Q: What is a wraparound loan?
Q: Is a reverse mortgage good for elderly homeowners?
Q: What is a bridge loan?
Q: What is seller financing?
Q: What is a lease option?
Credit
Q: How do lenders define bad credit?
Q: How do you clear up bad credit?
Q: How bad is a previous foreclosure on credit?
Q: How can I protect my home from creditors?
Foreclosures
Q: If faced with foreclosure, what are my options?
Q: Can a home be sold for less than its mortgage?
Q: Will I be able to buy again after losing a home to foreclosure?
Q: How long do bankruptcies and foreclosure stay on a credit report?
Getting Started
Q: What is a mortgage and how does it work?
Q: How do I qualify for a home loan?
Q: What's the best way to choose a home loan?
Q: Where can I get a mortgage?
Q: What does a mortgage broker do?
Q: What things do lenders view positively and negatively during the application process?
Q: Why do lenders require a down payment?
Q: Is it possible to get a no-down payment loan?
Q: What about low down payment loans?
Q: Should I put more or less down, if I can afford it?
Q: Can I make an all-cash purchase instead of getting a mortgage?
Q: What is the difference between a conforming and non-conforming loan?
Q: What about the difference between a conventional and non-conventional loan?
Q: What are conventional loan limits?
Q: Is it true some lenders grant loans based on very little documentation?
Q: Are there such things as no-cost and no-fee loans?
Interest Rates
Q: Are interest rates negotiable?
Q: Why do most homebuyers prefer a fixed-rate mortgage?
Q: Which is better, a 15-year or 30-year loan?
Q: Are 40-year mortgages a good idea?
Q: Should I lock in the mortgage rate?
Q: In seller financing, how does the seller determine what rate to provide?
Mortgage Terms
Q: What is APR?
Q: What is a loan-to-value ratio?
Q: What about equity?
Q: What is private mortgage insurance?
Q: What is a prepayment penalty?
Q: What are subprime loans?
Q: What is amortization and negative amortization?
Q: What is a second mortgage?
Q: Is a home equity line of credit similar to a second mortgage?
Other Mortgage Considerations
Q: Do government programs exist that can help me finance a home?
Q: Can you tell me more about FHA and VA?
Q: What are mortgage credit certificates?
Q: Do builders provide financing?
Q: Is private mortgage insurance always required on low-down payment loans?
Q: How can I finance work needed for home repairs?
Q: What about using an unsecured loan?
Q: What are the benefits of prepaying my mortgage?
Q: Do I have to disclose a parent's gift to the lender?
Refinancing
Q: How does refinancing work?
Q: When is the best time to refinance?
Q: Can I refinance a home loan more than once?
Q: Is it possible to refinance following a bankruptcy?
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