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Crystal Clear Home Loans

February 8th, 2008 by

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	Want to raise some money or maybe lower your monthly repayments? As long established remortgage specialists, Crystal Clear Home Loans have a clear and strong understanding of your needs. We can even help if repossession is looming. Let us help you.
	Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep repayments on your mortgage or any other debt secured on it.

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Real Estate: Mortgage Refinance Articles from EzineArticles.com
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An A - Z (Almost) Of Mortgages, Part 2
5 Sep 2008 at 3:13pm
Investment Mortgage - More commonly known as a buy-to-let mortgage, this type of deal involves getting a mortgage on a property which you intend to rent out to someone else. Instead of being calculated according to your income, an investment mortgage is calculated based on the projected income from your investment, for example a house being rented out as student accommodation. A BTL mortgage deposit is typically 10%, and is available is a repayment or interest-only option.
Qualifying For a Low Down Payment Loan
5 Sep 2008 at 3:01pm
There are two basic formulas commonly used to determine how much of a mortgage you can reasonably afford. These formulas are called qualifying ratios because they estimate the amount of money you should spend on mortgage payments in relation to your income and other expenses.
Loan Modifications, the New Mortgage Refinance
5 Sep 2008 at 1:07pm
Foreclosure rates are rising and more borrowers are struggling with pending mortgage defaults--this could bring a surge of homeowners desperate for loan modifications. Do you know what they are and how they could become your next mortgage refinance boom?
Foreign National Mortgage Loans - Frequently Asked Questions
4 Sep 2008 at 4:12pm
If you are a foreign national and this is your first time financing California real estate, I am sure you have questions. This article answers the most popular questions posed by foreign nationals who are interested in getting a US mortgage for investment in California real estate.
Can I Get a Mortgage After Foreclosure?
4 Sep 2008 at 4:09pm
It is all too easy to think that getting another mortgage after you have been through foreclosure is an an impossible task. Many people feel too embarrassed to try to get home finance or loans for fear of being rejected or ending up going through another foreclosure. However the statistics clearly show that only a tiny proportion of homeowner that have been through foreclosure do it twice.
Stated Mortgage Loan Programs
4 Sep 2008 at 3:51pm
Are you trying to refinance your mortgage or purchase a new home? Has your mortgage broker or account executive recommended stated mortgage loan programs that you do not understand whatsoever? There are reasons why they might recommend these programs and reasons why you should avoid them. Here is what you need to know about stated mortage loan programs.
Using a Mortgage Repayment Calculator Online
4 Sep 2008 at 3:26pm
Understanding how your mortgage works is the key to getting it at the best available price. You know that what you will be paying will depend on the size of the mortgage, the number of years over which it is going to be repaid, and the interest rate applied. But how do all these factors interrelate and, if one changes, what happens to the other figures?
How to Find the Best Fixed Rate Mortgage
4 Sep 2008 at 3:25pm
There is no escaping the fact that finding a fixed rate mortgage is more difficult than a few years ago and it will certainly cost more. Furthermore, a recently commissioned Treasury report concludes that such difficulties will persist until at least 2010. This is true across the whole range of different mortgage types, of course, and there has been some indication in the middle of 2008, in fact that rates for some fixed rate mortgages have improved from the borrower's point of view.
Comparing Mortgage Rates Using the Internet
4 Sep 2008 at 3:25pm
You may have read all those press reports spelling doom and gloom about the current housing "slump" and the difficulties faced by the mortgage market. That said, you are confident that things will change and that your future lies with owning your own home. There are enough banks and building societies out there, after all, so you will still want to compare mortgage rates from as many of them as possible Is this you?
A Review of the Mortgage Secrets Book
4 Sep 2008 at 2:22pm
Find out the truth about Mortgage Secrets and see if it is right for you at this time. Please Read our Unprejudiced Overview of Mortgage Secrets so you can make a final determination.
Refinancing Your Mortgage - It May Save You Money
4 Sep 2008 at 2:10pm
I recently refinanced my own house mortgage because I needed a lower monthly mortgage payment. I realized after getting into a 15-year mortgage that it was simply too he aggressive to manage with my income each month. Other than wanting a lower monthly mortgage payment, why do most people seek to refinance their home?
How to Pay Off Your Mortgage Early
4 Sep 2008 at 2:09pm
If you are no longer carrying credit card balances and have paid off all of your revolving debt, you can now tackle paying off your mortgage early. Ideally you would budget your money to pay a little extra every mortgage payment so that you reduce the amount of interest you will pay for the life of the loan.
Keys to Drafting Mortgage Purchase Agreements
4 Sep 2008 at 1:21pm
Mortgage Purchase Agreements are contracts effectuating the legal transfer of ownership of a mortgage note or deed of trust from one party ("Seller") to another ("Buyer"). This article describes some key provisions you want to make sure are addressed if you are getting involved in a Mortgage Purchase Agreement.
Money to Rehab Your Next Home
4 Sep 2008 at 1:17pm
When looking for a home, not everyone wants the biggest, best and the newest home. In fact, some people like an old home. Homes with some age tend to have unique architecture, larger lots, more established neighborhoods, little to no HOA fees and they often represent a different type of home ownership all together. But what happens when the home needs so much work, the lender won't give you a loan to buy the home?
Details of the Economic Stimulus Act - Made Understandable But Not Too Simple
4 Sep 2008 at 1:13pm
There has been a lot of talk about the Economic Stimulus Act of 2008 that was recently passed. With over 700 pages of documentation and continued revisions, it can be difficult to see through the technical aspect and get to the meat and potatoes of the Act. Here is some excellent information...

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This is Money | Mortgages & homes
House price trends, property analysis and best-buy mortgage deals

Taxpayers face new �300m homes hit
Taxpayers could face losses of up to £300m as part of Prime Minister Gordon Brown's plans to prop up the housing market
Rate drops 'could cut mortgages by �2000'
Homeowners could soon save up to £2,000 on their mortgage payments, experts believe.
London homes on sale for more than 3 months
New figures show that half the properties for sale in London have been on the market for longer than three months
House prices won't recover until 2016
House prices could take until 2016 to rebound to the levels they reached at their peak last year, researchers say
Stamp duty cut is 'too little too late'
For David Blain and Sally Pritchett, the stamp duty holiday is a double blow. We reveal fallout from the stamp duty change
Mortgage bailout to cost taxpayer �40bn
Ministers are ready to underwrite mortgages worth billions as part of an emergency rescue of the housing market
Selling your house in a slow market
The news is not all bad. People are selling in today's market, and a lot of them are achieving the asking price. So, what is their secret?
Buyers warned on shared equity schemes
First-time buyers are urged to approach developers' shared equity offers with care - they may not be quite what they seem
DIY can help you sell home
With falling property prices and people struggling to sell their homes, it might be time to rediscover the joys of DIY
Stamp duty: Don't bank on house price rise
If yesterday's stamp duty changes are tempting you to dip a toe back into the housing market, think again
Mortgage dilemma after base rate hint
The Bank of England has dropped a strong hint that it will lower interest rates, leaving homeowners looking to remortgage with a dilemma
Small banks boost mortgage market
There's good news for borrowers as the mortgage market has suddenly become more competitive
Rise of the reluctant landlord
Homeowners who are forced to move but are unable to find a buyer for their property are reluctantly becoming landlords
Halifax reveals worst ever house price falls
House price falls hit a new record in August with the Halifax index recording double-digit annual drops for the first time ever, figures have shown
Homebuyers asking for 20% discount
Buyers are demanding discounts of as much as 20% on homes, according to the Bank of England

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UK Mortgage News - Certus Mortgage Solutions
UK Mortgage News - Fresh articles each day, created by Certus Mortgage Solutions or hand-picked from hundreds of world-wide sources. Certus-Mortgages.co.uk - The Online UK Mortgage Guide.

Public uninformed about house buying process
by system@certus-mortgages.co.uk (Editorial team)
10 Dec 2006 at 6:00pm
Nearly a fifth of homebuyers think estate agents carry out conveyancing, and a further 8% believe homeowners actually carry out the task themselves, a poll commissioned by the Council for National Land Information Service (C-NLIS) reveals.
FIRST TIME BUYERS SAY YES
by system@certus-mortgages.co.uk (Editorial team)
12 Dec 2006 at 6:00pm
Nearly half of all first time buyers would prefer to commit to a hefty 50 year mortgage to get a foot on the property ladder, rather than take a loan from a family member or buy with a friend, according to the results of a survey conducted by leading property portal, HotProperty.
Uncertainty for market next year?
by system@certus-mortgages.co.uk (Editorial team)
17 Dec 2006 at 6:00pm
Propertyfinder.com has given it outlook for the property market in 2007 and believes it is harder to predict than in previous years.
Loan fees becoming obsolete
by system@certus-mortgages.co.uk (Editorial team)
20 Dec 2006 at 6:00pm
Loan fees becoming obsolete By Joe McGrath, editor nplonline More than one in five unsecured lenders no longer charge early redemption fees, according to research from MoneyExpert.
Equity withdrawal not used for house purchase
by system@certus-mortgages.co.uk (Editorial team)
14 Jan 2007 at 6:00pm
The Council of Mortgage Lenders (CML) has reported 85 per cent of people who withdrew equity in the last three years used the money to fund home improvements or pay off debt.
Consumers 'hate' shopping for life insurance
by system@certus-mortgages.co.uk (Editorial team)
1 Mar 2007 at 6:00pm
FSA figures show that people are savvier when shopping for home gadgets than they are when searching for life insurance.
Government introduces revised HIP rules
by system@certus-mortgages.co.uk (Editorial team)
29 Mar 2007 at 7:00pm
The government has introduced its Home Information Pack (HIP) regulations, which were laid before parliament today (29 March 2007).
New code could prove headache for landlords
by system@certus-mortgages.co.uk (Editorial team)
3 Apr 2007 at 7:00pm
Commercial lenders could be hit by revisions in a code for leasing businesses premises, according to a major property consultant.
Buy-to-let landlords could face �2,500 over smoking ban
by system@certus-mortgages.co.uk (Editorial team)
2 Jul 2007 at 7:00pm
Landlords, or managing agents, of flats, bed-sits or multi-occupancy houses could be hit with �2500 fines for failing to enforce the ban along with the correct signs.
Time bomb for 1m mortgages
by system@certus-mortgages.co.uk (Editorial team)
2 Jul 2007 at 7:00pm
Up to a million homeowners could see their mortgage repayments jump by almost a third in the next 12 months as they approach the end of cut price mortgage deals.

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Bad Credit Mortgage Loan, Mortgage Refinance Calculator

UK Mortgage Rates, Mortgage Payment Calculator, Find great online mortgage deals and advice and get all the information you need to pick the best deal

Crystal Clear Home Loans

Want to raise some money or maybe lower your monthly repayments?

Let us help you.

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