Mortgage Processes

• What Lenders Must Disclose
• Loans Covered By TRID Disclosures
• Loans NOT Covered By TRID Disclosures
• 6 Required Pieces of Information
• Can Lenders Request More Information?
• Do Lenders HAVE To Approve In 3 Days?
• What Is A Business Day?
• How Long Will Lenders Keep My Records?
• What Does The Loan Estimate Tell You?
• Could My Loan Exceed The Estimate?
• Refunds - If Your Loan Exceeds Your Estimate
• Can Creditors Revise Loan Estimates?
• Can My Settlement Charges Change?
• When Do I Get My Closing Disclosure?
• Loan Estimates - Terms, Payments, Closing
• Loan Estimates - Loan Costs
• Loan Estimates - Services You Can't Shop
• Loan Estimates - Services You CAN Shop
• Loan Estimates - Other Costs
• Calculating Your Cash To Close
• Understanding Loan Estimate Comparisons
• Your Rights For Closing Disclosures
• Closing Disclosures - Understanding Page 1
• Closing Disclosures - Closing Costs
• Closing Disclosures - Understanding Summaries
• Closing Disclosures - Important Additions

Starting

• Determining Your Housing Needs
• Start The Home-Buying Process!
• Am I Ready To Buy?
• How Lenders Decide Your Maximum Loan
• Purchasing Vs Renting A Home
• Do I Need A Lawyer To Buy?
• Why Use a REALTOR®?
• How To Pick Your Community
• Learn Your Community Resources
• Walkthrough - What To Look For
• Keeping Track Of Homes
• What To Ask When Looking At Homes
• Older Vs Newer Homes
• What If You Feel Excluded?
• Determining Property Tax Risks
• Key Issues Before Buying A Home

Selecting

• Determing Your Initial Offer
• How To Make An Offer
• What Is Earnest Money?
• What is An Inspection Clause?
• What Do Home Inspectors Do?
• Be There For Inspection?
• Do I Need Homeowners Insurance?
• Lower Your Homeowners Insurance Costs
• Powerlines - Health Hazard?
• LEAD In Homes!
• What About Flood Plains?
• What Are Home Warranties?
• Final Walkthrough Warnings

New Homes

• What Are Builders Incentives?
• What is A Decorating Allowance?
• Preferred Lenders - Best Choice?
• What Is The Punch List?
• What Are Constuction Perm Loans?
• What Is A Rate Lock?
• Comparing Production vs Custom Builders
• New Homes - Use An Agent?
• New Homes - Use An Attorney?
• Comparing New-Home Builders

Mortgages

• What Is A Mortgage?
• What is A Qualified Mortgage?
• What Is Loan-To-Value (LTV)?
• How Large A Down Payment Do I Need?
• What Is Ability To Repay?
• First-Time Mortgages?
• The Main Types Of Mortgages
• When Do ARMs Make Sense?
• How Interest Affects Mortgages
• What If Interest Rates Fall?
• Fixed-Rate Mortgage Advantages
• Key Factors In Mortgage Payments
• What Does A Mortgage Cover?
• What Are Discount Points?
• What Is Mortgage Insurance?
• What Is PMI?
• What Is Prime?
• What Is Equity?
• Can I Pay Off Early?
• If You Fall Behind On Your Home Loan…

Financing

• Key Steps To Secure Your Loan
• What is Debt-To-Income?
• Pre-Qualifying vs Pre-Approval
• Ability-To-Repay Exemptions
• Lending Process DOs and DON'Ts
• After Your Loan Application…
• Choosing Your Lender
• Choosing Your Home Loan
• How To Compare Loans
• Understanding Loan Fees
• What is A Good Faith Estimate?
• What Is RESPA?
• What's An Appraisal?
• Removing PMI From Loans

Credit Scores

• What is A Credit Score?
• Find Your Credit History
• Improving Your Credit Score
• Fixing Credit History Errors

Title & Closing

• What Is Escrow?
• Closing Costs Explained Visually
• Title Insurance Explained Visually
• What Are Real Estate Commissions?
• What Happens On Closing Day?
• What Do I Get At Closing?
• What Makes Up Closing Costs?

Federal Programs

• How Can The FHA Help?
• What Are The Steps In FHA Loans?
• Credit History and The FHA
• FHA Debt-To-Income Ratios
• Are FHA Loans Assumable?
• Lower FHA Mortgage Premiums
• What Is The FHA Loan Limit?
• What Qualifies As Income For FHA?
• If You Fall Behind On An FHA Loan…
• About FHA Closing Costs
• About 203(b) and 203(k) FHA Loans
• What Is HUD?
• How Does HUD Help?

VA Loans

• What Are VA Loans?
• Major VA Loan Types
• What is The VA COE?
• VA Funding Fee Exempt?
• Understanding Joint VA Loans
• VA Loans and Your Discharge
• VA Loans - More Than Once?
• VA Loans - For Rentals?
• VA Loans - For Farms?
• VA Loans And Divorce

Selling

• Improving Your Home's Value
• Making Your Home Ready To Sell
• Preparing For Internet Showing
• Home Sales Tips - Prepping The Inside
• Home Sales Tips - Prepping The Outside
• How Do I Evaluate An Offer?
• What Is A Counter-Offer?
• Closing Meetings For Sellers
• The Closing Process For Home Sellers
• For Sale By Owner?

Going To Market

• When Should I Sell?
• 6 Home-Selling Mistakes
• How Do I Select a Broker?
• What Can I Ask Brokers?
• Calculating Your Asking Price
• Setting Your Price
• Which Square Footage Figure??
• How Is A Home Marketed?

Reverse Mortagage

• What Is A Reverse Mortgage?
• What Types of Homes?
• Reverse vs Home Equity Loan
• Reverse, Heirs & Estates
• Reverse Mortgage Amounts
• Reverse Mortgage Payments
• Existing Mortgages
• Social Security, Medicare & More
• Circumstances To Consider
• Understanding Reverse Mortgage Interest
• HUD HECM Mortgage Insurance
• Reverse Mortgage Repayment