http://www.homeexpertsonline.com en-us http://www.homeexpertsonline.com N/A aaron@ideacannon.com Thu, 13 Jul 2006 18:01:02 MST 20 http://www.homeexpertsonline.com/articles/121/1/The-Pros-and-Cons-of-40-Year-Fixed-Loans 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. Carey Pott Sat, 25 Feb 2006 00:00:00 MST http://www.homeexpertsonline.com/articles/116/1/To-Pay-or-Not-To-Pay-Off-Your-Mortgages%3A-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 I explained why that thinking is outdated.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. Carey Pott Sat, 18 Feb 2006 00:00:00 MST http://www.homeexpertsonline.com/articles/95/1/To-Pay-or-Not-To-Pay-Off-Your-Mortgages%3A-Part-I We've all been taught by our parents, grandparents, and conventional wisdom that we should pay off our home mortgages so we can own our home free and clear. So that the bank can never take our home from us. I'm going to show why that thinking is outdated and present some new ideas on using mortgages as a tool to increase wealth. Carey Pott Thu, 26 Jan 2006 00:00:00 MST http://www.homeexpertsonline.com/articles/80/1/Why-%26quot%3BNo-Points%26quot%3B-30-Year-Fixed-Loans-Usually-Don%26%2339%3Bt-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. Carey Pott Wed, 07 Dec 2005 00:00:00 MST http://www.homeexpertsonline.com/articles/76/1/Online-Mortgage-Quotes The mortgage industry is a very competitive one, so if you are on the market for a mortgage, or refinancing your existing one, you may want to consider getting a few quotes on line. Jennifer Hershey Sun, 04 Dec 2005 00:00:00 MST http://www.homeexpertsonline.com/articles/48/1/Fixed-vs.-Adjustable-rates Apples vs. oranges. 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. Carey Pott Sat, 12 Nov 2005 00:00:00 MST http://www.homeexpertsonline.com/articles/33/1/Three-Questions-You-Must-Ask-Your-Loan-Officer 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. Carey Pott Tue, 01 Nov 2005 00:00:00 MST http://www.homeexpertsonline.com/articles/32/1/Eight-Common-Predatory-Lending-Schemes 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. Carey Pott Sun, 30 Oct 2005 00:00:00 MST