http://www.stanfordfunding.com/blog The Latest Mortgage Loan, Interst Rate and Real Estate Information Sat, 18 Feb 2006 14:23:29 +0000 http://backend.userland.com/rss092 en Adjustable-rate mortgage (ARM): The mortgage-payment rate and loan payments vary. With these mortgages, interest rates start lower than with a fixed-rate mortgage, but then become variable. At specific intervals (typically every year), a lender adjusts the rate up or down as interest rates fluctuate. Annual percentage rate (APR): The annual cost ... http://www.stanfordfunding.com/blog/2006/02/mortgage-glossary/ Understanding Your Homeowner’s Insurance… before it may be too late. For nearly all consumers, owning a home represents a large investment. But suppose your home is vandalized or damaged by a storm? Having insurance can protect you from such unpredictable losses. When purchasing insurance, it is important to READ YOUR POLICY. ... http://www.stanfordfunding.com/blog/2006/02/understanding-your-homeowners-insurance/ Before deciding on what terms they will offer you a loan (which they base on their “risk”), lenders want to know two things about you: your ability to pay back the loan, and your willingness to pay back the loan. For the first, they look at your income-to-debt obligation ratio. ... http://www.stanfordfunding.com/blog/2005/11/what-is-a-credit-score/ If you search for “bi-weekly mortgage” with an Internet search engine, you will be overwhelmed by the number of companies offering “Bi-weekly Mortgage Reduction Services” or “Bi-weekly Savings Programs.” Beware, you are entering dangerous waters. Beware of Bi-Weekly Mortgage Reduction Services and Savings Programs These “Reduction Services” and “Savings Programs” are charging ... http://www.stanfordfunding.com/blog/2005/10/bi-weekly-mortgage/ Your Role in the Home Buying Process 1. Get to know your Stanford Home Mortgage Loan Officer. How do I choose a Loan Officer? The Loan Officer has a very important role in this transaction and should be able to rise to the occasion to get you a loan. You want ... http://www.stanfordfunding.com/blog/2005/10/home-buying-process/ Which refinancing option is best for you? There aren’t quite as many loan programs as there are borrowers, but it seems like it sometimes! We’ll work with you to qualify you for the best loan program to fit your needs. But there are some general considerations you can have in mind ... http://www.stanfordfunding.com/blog/2005/10/refinancing-options/ It’s a big step when you decide to buy a home or refinance a mortgage. At Stanford Funding, you can count on us to find the mortgage loan program that’s right for you. Buying a new home can be a source of anxiety and frustration as well as a huge ... http://www.stanfordfunding.com/blog/2005/09/the-best-mortgage-loan-thats-right-for-you/ 1. Who should I contact regarding loan status questions? Please contact your loan officer for all questions and updates. If he/she is unavailable, please leave a message and somebody will get back to you as soon as possible. 2. How long will it take to be approved? Normally, your loan will be approved within ... http://www.stanfordfunding.com/blog/2005/09/common-mortgage-loan-questions/ Free appraisal. 115% cashout . http://www.stanfordfunding.com/blog/2005/09/matts-mortgage-of-the-day/ Rates as low as 1%. Call 303-458-8200 http://www.stanfordfunding.com/blog/2005/09/mortgages/