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Adjustable vs. Fixed Mortgages Apples vs. oranges. Boxers vs. briefs. Dave Letterman vs. Jay Leno. These debates may rage on for decades, and we can add another one to the list: fixed vs. adjustable. We’re speaking, of course, of fixed rate and adjustable rate mortgages. Real Estate Broker or Agent? Real estate experts go by a few different names, although the distinction shouldn’t matter for you as a first time home buyer. Important is to make certain the broker or agent you chouse is a licensed real estate professional. All real estate brokers or agents are licensed and regulated by each state. Who Does The Agent Work For? In many states, the sub-agency has been eliminated. In these states, if an agent is working for a buyer, he or she is a buyer agent. In this case the buyer must pay the percentage or fee to the broker or agent. If the agent is working for the seller, he or she is a seller agent (or conventional). That clears up some of the confusion. If the subagent t1 or the buyer broker is also the listing2 broker, he or she is known as a dual agent. Eight Common Schemes of Predatory Lenders Predatory lending is far more prevalent in refinancing than in the purchase market. One reason is that buyers tend to look for mortgages from established and recognized lenders, many of whom are bound by rules put forth by Fannie Mae, FHA, or the Veterans Administration. If they don't follow the rules, they cannot sell their loans on the secondary market. Three Credit-Worthiness Factors Between the Internet, well-meaning family and friends, and know-it-all articles in the print media, it's hard to know where the facts end and the nonsense begins. Facts are everywhere, but so are urban legends, hidden agendas, and opinions posing as truth. Fact or fallacy - it can be devilishly hard to tell the difference. Ask Your Loan Officer These Three Questions It's pretty easy to isolate the good from the bad in a lot of professions: a dentist laughing gleefully every time you flinch, a plumber demanding payment up front while your knees disappear underwater, a real estate agent who never returns your call or is constantly dragging you to inappropriate houses. You wouldn't let any of these hang around long enough to do any real damage. Why “No Points” 30-Year Fixed Loans Don’t Make Sense I hear it all the time, and you probably do too. On the radio, TV, in the newspaper or online – “Call now to get a 30-year fixed loan at x% with no points or fees!”. I’d like to explain to you why this almost never makes sense. 3 Ways to Prevent Garden Slug and Garden Snail Damage One of the most common problems faced by gardeners is the one of the garden slug and garden snail. Even experienced gardeners tear their collective hair out at the destruction these creatures can cause. So I thought I would give you a few tried and tested tips, and some others perhaps not so well known, to help you deal with them - you won't get rid of them all together, but at least you will be able to keep them under some sort of control! Easy Steps to Composting It is becoming more and more obvious these days that we need to recycle as much as we can, and anyone with a garden has a head start and can make a great contribution. To many novice gardeners, including myself, this subject can be somewhat difficult to grasp; but in fact it is really straightforward - Here are a few easy steps to composting. The Pros and Cons of 40-Year Fixed Mortgages With interest rates going up and property values starting to appreciate at a slower rate or flatten out, a new kind of loan has started to become more popular. The 40-year fixed loan allows you to amortize the loan over a 40-year period instead of the usual 30 years. This results in a lower monthly payment, which can come in handy when rates are higher. There are some pros and cons to this type of mortgage. I will explain why I personally don’t like these loans except in special circumstances. To Pay or Not To Pay Off Your Mortgages: Part II In Part I of this article, I mentioned that we’ve all been taught by our parents, grandparents and conventional wisdom that we should pay off our home mortgage in order to own our home free and clear so that the bank can never take our home from us. I explained why that thinking is outdated. In this article, I’m going to present some ideas on using mortgages as a tool to increase wealth.

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