Lending / Financial

Buying real estate is even more challenging for those of us whose eyes glaze over at the mere mention of decimals, percentages or anything else that even hints of mathematics.


The financial aspect of purchasing the largest investment of your lifetime, though, is the most important. Nobody wants to lose money. Nobody wants to leave money on the table.


If you're in the market for information on mortgages, credit scores and interest rates, you've come to the right place. The financial and mortgage pros here at ActiveRain even tell you how to shop for and compare lenders, how to raise your credit score, how to get a mortgage after a short sale or foreclosure and how to get pre-approved for a mortgage loan. Even Mom and Dad can't give the great advice you'll find here at ActiveRain.


Plan to spend some time here because ActiveRain's content library is massive. Lucky for you we've arranged it so that it's über user-friendly. You'll be amazed at how easy it is to put your finger on just the information you're looking for without having to surf a million other pages.

Trending blogs on Lending / Financial
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Getting into the world of Real Estate Trust Deed Investing can feel like you’re making a deep sea diveIt can be terribly overwhelming! That’s not the way it has to be though. We can make it easier for you. You just have to really immerse yourself into trust deed investing and have a passion for it. Make sure that it’s really what you want.If you’re already seriously considering trust deed investing, then start by really getting to know your mortgage loan broker. That might sound funny to you, however, your mortgage loan broker is going to be with you every step of the way so it’s important to really trust them.Your mortgage loan broker will be acting a guide through your trust deed investing, so you need to make sure they actually know and care about what they’re doing for you.Plus, yo...
Comments 0
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Investing in Trust Deeds: A Beginner’s Guide to Trust Deed Investments San Diego Investing in trust deeds can be a tough endeavor. There’s a lot to know when you begin investing in trust deeds and you really need to start by researching your motives and knowing the basics. You didn’t walk before you could crawl, right? The same goes for Investing in Trust Deeds.Start by really getting to know the landscape of what a trust deed investment is. That includes getting to know the jargon and the momentum behind the actual deed of trust investment. Knowing the basics means that you will be a way better help to your mortgage loan broker, who will act as your guide as you go through the deed of trust investment process. Your mortgage loan broker can of course help you with things you don’t under...
Comments 0
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
So you’ve decided to start looking into investing in trust deeds and we think that’s a great idea because Trust Deed Investment Company is a wonderful thing you can do to bring you some moneyYou might think that Real Estate Trust Deed Investing is very close to a mortgage and you’re not wrong, it’s just that it does differ slightly in a few ways. For example, with trust deed investing there are three important people in the process and they are the borrower or the trustor, the lender or the beneficiary, and the trustee. The Trustee is the person who actually purchases the property and in the end, if the trustee is paid as promised, then they won’t have any claim to the property. However, in a trust deed investment, if the borrower defaults, then trustee takes back the mortgaged property...
Comments 0
By Joseph Doohan, I offer business strategy advice for realtors
(Joseph Doohan)
  Mortgage Forbearance: The Who, What, When, Where & How     No one knowingly buys a home envisioning that financial hardships lie ahead ...   Yet hardships and challenges come even when planning and preparations have been made.     Those are the circumstances that many American homeowners now find themselves in.  The COVID-19 virus has delivered them to their home's door. If you are one of those Americans that have been negatively impacted financially, either via loss of employment/work hours, income loss, other financial stresses, or health considerations due to COVID-19 ... you are definitely looking for a dose of good news.  And thankfully, there is some to share.   A large percentage of U.S. homeowners ... about 70% ... hold mortgages that are federally backed (Government-Sponsore...
Comments 1
By Bob Elliot, 20+ Yrs Industry Experience
(eXp Realty)
  Tomorrow, the unemployment rate for April 2020 will be released by the U.S. Bureau of Labor Statistics. It will hit a peak this country has never seen before, with data representing real families and lives affected by this economic slowdown. The numbers will alarm us. There will be headlines and doomsday scenarios in the media. There is hope, though, that as businesses reopen, most people will become employed again soon. Last month’s report indicated we initially lost over 700,000 jobs in this country, and the unemployment rate quickly rose to 4.4%. With the release of the new data, that number will climb even higher. Experts forecast this report will show somewhere between a 15% - 20% national unemployment rate, and some anticipate that number to be even greater (see graph below): Wh...
Comments 1
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
If you are looking to make some extra cash and have some fun, then start looking into Trust deed investing because it’s just about the easiest way to do what you want to do and make the cash you want to make.And if you asked us, there’s no time like the present to start trust deed investing. So you may have heard that trust deed investing is a little like a mortgage, and it is, but it has a few things that a mortgage does not. For example, a trust deed investment has three primaries in the trust deed investment transaction that a mortgage does not. They happen to be the borrower or the trustor, the lender or the beneficiary, and the trustee. The Trustee is the person who actually purchases the property and in the end, if the trustee is paid as promised, then they won’t have any claim to...
Comments 0
By Bob Elliot, 20+ Yrs Industry Experience
(eXp Realty)
Under the Jumpstart Our Business Startups (JOBS) Act, which was signed into law by President Obama on April 5, 2012, the Securities Exchange Commission (SEC) relaxed the rules about advertising investments. This allowed the trend of crowdfunding to expand dramatically giving real estate investors more opportunities for pooled-funds investing.What Is Polled-Funds Investing?A pooled investment fund takes in money from a group of investors to use to acquire real estate for larger amounts than each investor's money would support. Prior to the passage of the JOBS Act, these pooled investment funds were only accessible by large investors through private placements and private real estate investment trusts (REITs). The minimum investment might be up to $250,000 or more. High-net-worth individu...
Comments 0
By Kevin O'Connor, Helping Homeowners Achieve Their Dreams.
(JB Mortgage Capital, Inc.)
We’re a top-rated mortgage broker offering great mortgage programs to homeowners and homebuyers throughout California. We have a wide variety of mortgage programs to mee the needs of our clients.Eureka, California:Eureka is located in northern California and has a population of nearly 30,000 people. It’s 270 miles north of San Francisco and about 100 miles south of Oregon.There are several local mortgage lenders residents of Eureka can use when buying a home or refinancing a current mortgage but some local residents chose to work with an online lender who might be able to provide lower mortgage rates. When staying in Eureka some of the best places visit is Sequoia Park, Humboldt Bay Tourism Center, Headwaters Forest Reserve and the Humboldt Bay National Wildlife Refuge.Sequoia OPark has...
Comments 1
By Kevin O'Connor, Helping Homeowners Achieve Their Dreams.
(JB Mortgage Capital, Inc.)
Here are my latest updates from around the web. Mortgage rates are starting off the month at great levels for both refinance and purchase transactions. After hitting all-time lows early-mid March, mortgage rates moved higher until mid April when the market started to reverse course.The mortgage industry has made a lot of changes in the last two-three weeks which will have a significant impact on thousands of homeowners and homebuyers throughout the country. Just to name a few: If you are doing a cash out refinance be prepared to pay more (if you can find a lender willing to do the loan). Many lenders including Wells Fargo, and US Bank have left the cash out refinance market and the few lenders willing to do cash out refinances are charging more for that loan product. Are you buying a re...
Comments 0
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Investing in deeds of trust is a little known but very effective investment strategy for real estate investors. With high rates of return and real collateral, investing in trust deeds is an easy, and generally low risk way to earn money.In the United States, there are two types of real estate transactions, true mortgages and deeds of trust sale. In a true mortgage sale, there are two parties involved, the bank or lender, and the borrower. The borrower is given the deed to the property he/she is purchasing and the lender has very little security or collateral. A second form of real estate investing is called trust deed investing. This type of investing differs from a true mortgage in that there are always three parties involved, the bank or lender, the borrower and a third party who is i...
Comments 1
By Patty Clark, Helping Families Move with Care
(Morningside Homes, LLC 720-231-5200)
  The deadline for challenging your property tax assessment this year may be later than normal due to the stay at home orders but when you are notified, you'll want to be ready to decide whether you can save some money on property taxes this year. There are two elements that determine the amount of property taxes you'll pay for the year: the assessment of value and the property tax rate.  Both determinations occur long before the property tax statement is sent. Property owners are notified in writing what their assessed value is for the year.  It is estimated that most owners don't challenge that value even though it could lower their tax bill.  Not all appeals are successful, but many homeowners believe that it is worth the effort to try.  Procedures for challenging the assessment are ...
Comments 0
By Bob Elliot, 20+ Yrs Industry Experience
(eXp Realty)
Case-Shiller: February Home Price Data Positive Before Coronavirus ImpactFebruary data on home prices showed rising home prices; the Case-Shiller National Home Price Index showed 4.20 percent growth in home prices year-over-year as compared to January’s home price growth rate of 3.90 percent.Case-Shiller’s 20-City Home Price Index rose by 0.40 percent from a year-over-year rate of  3.10 percent to 3.50 percent. Home prices increased in all of the 20 cities included in the Index; 17 of the 20 cities reported a greater rate of price growth than for January. Phoenix, Arizona led the 20-City Index with 7.50 percent year-over-year growth in home prices and home prices in Seattle, Washington grew by 6.00 percent year-over-year. Tampa, Florida, and Charlotte, North Caroline were tied for third...
Comments 0
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
You might have come across non-performing notes for sale recently. These are accounts where collection attempts have been unsuccessful. If you think this sounds like a difficult thing to purchase, that’s where you may be wrong. Buying these non-performing notes for sale is actually easier than you think because many lenders are willing to sell non-performing notes at a loss.That means profits. You see, non-performing notes for sale are actually secured debts. What does that mean? Good new for you; even if the loan fails to revive its performance, the note owner is still entitled to the property. Overall, investing in notes for sale can be an excellent alternative to high intensity foreclosure auctions.What can you do to purchase a non-performing notes that’s for sale?It’s easy if you fo...
Comments 0
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Benefits does trust deed investing in Arizona offer?If you are looking for an investment where you come out on top, then look no further than trust deed investing Arizona. With trust deed investing Arizona you are guaranteed a return on your investment, which is so much more than many other investments can say that aren’t deed of trust investing . Let’s look into the kinds of benefits you can look forward to with your deed of trust investing Arizona.For one, as stated above, you do get your return back and then some so there is a little risk and a high return. Always a great thing to remember. Moreover, you are guaranteed a yield, which is something unexpected from an investment of any kind. Another great thing about trust deed investing Arizona is that this loan is secure. How do we kn...
Comments 0
By Karen Schimpf, When the Bank Says No, I CAN Get Your Deal CLOSED!
(Commercial Capital Ltd.)
  cc: by:https://flic.kr/p/xNe3Xr Blanket Loans  A blanket loan has a couple advantages for investors. The first advantage is the blanket loan program allows investors to roll several properties into one loan so that they have one mortgage. Many of  my investors that managing one mortgage is considerably  easier to handle. Another reason investors like the blanket loan program is that if they own 10+ properties they find the blanket loan has lower rates than hard money. Typically 10+ financed properties have rates in the double digits. The blanket loan rates  typically start around 4.99% to 5.99% depending on the program. Lastly investors consider the blanket loan because many blanket lenders allow you to form an S Corp. for the properties in the blanket loan. These investors are than a...
Comments 1
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
What About Returns on Trust Deed Investments Arizona? Thinking about making use of your portfolio and getting involved with trust deed investments Arizona? This is great news! Trust deed investments company is among one of the most profitable ways that you can make money with your investments. If you always thought about investing in trust deeds Arizona, but you haven’t done it yet, now is the time to really think about it.But why, you ask? Well, let’s be real; the returns are high.That’s the best part about investing in trust deeds Arizona because you actually make money because you always have an asset to hold on to whether it’s a property or money. As a lender, you have everything coming to you!Think about how great it would be to put little or no money down on your non performing no...
Comments 0
By Kevin O'Connor, Helping Homeowners Achieve Their Dreams.
(JB Mortgage Capital, Inc.)
May 2020 mortgage rates are starting off the month near all time lows for both refinance and purchase transactions.Fixed rate mortgages remain more attractive then adjustable rate mortgages for both owner occupied and non-owner occupied transactions.May 2020 Mortgage Rate Expectations:Overall we believe the mortgage rates during the month of May will remain stable with a chance of seeing some improvements. In general, mortgage lenders have worked through most of the huge influx of applications they received from late February through mid-March. Demand for low rates mortgages remains strong and because of this mortgage lenders have little to no incentive to lower mortgage rates significantly further.Processing times are generally 30 - 40 days for most applications with most lenders. Howe...
Comments 0
By Kimo Stowell, REALTOR Associate® RS-76763 - Honolulu Hawai'i
(HI Pro Realty LLC RB-21531 )
 Latest rates, based on 20 percent down, $200,000 owner-occupant mortgages. The rates and terms may vary; check with lenders for details. Rates may have changed click here to verify  Lender Term/Type Interest Rate % Points % *APR Acclaim Capital Mortgage - a Kama'aina Company383-5931NMLS#304090 15-YR Fixed 2.750 0.000 2.776 30-YR Fixed 3.125 0.000 3.151 5-YR ARM       Aloha Pacific Federal Credit Union531-3711NMLS#377314 15-YR Fixed 2.375 1.375 2.716 30-YR Fixed 2.750 1.750 2.967 5-YR ARM 2.500 1.375 3.097 American Savings Bank, F.S.B593-1226NMLS#423168 15-YR Fixed 2.500 1.500 2.803 30-YR Fixed 2.875 1.750 3.063 5-YR ARM 3.625 0.000 3.437 Bank of Hawaii877-616-2636NMLS# 15-YR Fixed 2.500 1.750 2.751 30-YR Fixed 3.125 0.750 3.184 5-YR ARM 2.750 -1.125 3.072 Central Pacific Bank544-0500NM...
Comments 1
By Dennis Dahlberg Broker/RI 623-582-4444
(Level 4 Funding )
Are you interested in Investing in Trust Deeds?You may have heard people recently talking about trust deed investing Arizona and wondered what that was. In short, Real Estate Trust Deed Investing is a serious kind of investment for a person who is interested in making money. Investing in trust deeds Arizona isn’t a light business. It’s only for people who are determined to increase their income. Don’t get left behind in the dust. Trust deed investing Arizona could absolutely be the right kind of investment for you. Be sure not to overlook this fantastic opportunity. It could be the right one for you.Often times, one of the things overlooked by someone who is doing some trust deed investing Arizona is making sure they have a great mortgage loan broker. You should know up front that havin...
Comments 0
By Shanna Day Team Leader AZ & UT - Call 480-415-7616, Top 0.33 of 1% of 79,000 AZ Realtors
(Keller Williams Realty EV (AZ) & Keller Williams SLC (UT))
The Shanna Day Market Update by Mike Demke with Amerifirst Financial Ask Us About How The Shanna Day Team Virtual Home Buying Program Work! CallOFFICIAL LISTING AGENT, SHANNA DAYfor any questions or more information:480-415-7616   Did you know that Shanna Day is in the Top 0.33 percent of 39,000 realtors of her local MLS and Top 0.38% in Gross Commission Income (GCI) of the 159,000 active Keller Williams agents?  Click here to view all of the Shanna Day Team Featured Listings FUTURE QUESTIONS If you have any topics or questions you would like answered, contact The Shanna Day Dream Home Team - we’ll find the answers for you! Shanna Day Dream Home Team Keller Williams Realty East Valley 480-415-7616 info@shannaday.com ShannaDayTeam.com EastValleyPropertyValues.com View ShannaDay Dream Tea...
Comments 0