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Home Loans


Bill Paying, Car Loan, Home Loans

When to Take an Offer to Suspend Loan Payments

Many of you are writing in to tell me that your lenders have contacted you with offers to temporarily suspend your monthly loan payment during this recent crisis.

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Financial Advisor, Home Buying, Home Loans

The Low Down on Home Down Payments

It’s finally Spring…and that means the start of the busiest season for home buying. If you are considering buying your first home—or love someone who is ready to own – I want you to be smart about...

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Home Buying, Home Loans, Home Mortgage, Mortgage Rates, Motgage

Shifting Real Estate Market Requires Home Sellers to Be Extra Smart

If you are planning to put your home on the market this Spring, working with a terrific real estate agent will be extra important.

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Home Equity Line Of Credit, Home Loans, Retirement

Home Economics: Renovate Carefully

Americans are on a home renovation binge. The remodeling experts at Harvard’s Joint Center for Housing Studies estimates that we will spend more than $350 billion on remodeling in the next 12 months

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Family, Home Buying, Home Loans, Home Mortgage

4 Great Reasons to Rent

As we head into the heart of home buying season I am concerned some of you may be caught up in the “buy now!” frenzy.

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Debt, FICO, Fico Score, Home Buying, Home Loans, Mortgage, Mortgage Rates

Home Buying in Next 6 months? Do This Now!

If you are planning on buying a home in the next few months, I bet you are already spending plenty of time checking out online listings.

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Home Buying, Home Loans, Mortgage, Mortgage Rates

The Smartest Home Buying Move Most People Ignore

Most homebuyers choose a 30-year fixed rate mortgage. There’s nothing wrong with going the conventional route and spreading your payments over 30 years. But I wish more people would take out a 15-year mortgage instead.

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Home Buying, Home Loans, Mortgage, Mortgage Rates

Don’t Over-React to the Mortgage Rate Rise

Over the past few months mortgage rates have begun to rise a bit. And the expectation is that they may continue to drift higher throughout 2017. While there’s no question mortgages now cost more, I want anyone thinking of buying a home, or refinancing, to not over-react to higher rates. Keep in mind:

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Family, Home Buying, Home Loans, Insurance, Marriage, Mortgage, Mortgage Rates, Saving

Avoid This Costly Refinancing Trap

In late July, the 3.4% average rate for a 30-year mortgage was near the historic low set in 2013. That’s great news for so many homeowners who were unable to refinance back in 2013 because they didn’t have the 20% equity that most lenders require for the best refi deals. Fast-forward to today and home values are up an average of nearly 30% since early 2013. That means plenty of homeowners can now-finally-refinance at today’s great rates.

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Home Buying, Home Loans, Mortgage, Mortgage Rates

Step 4: Closing the Deal: Scour your all-in Mortgage Costs

It takes a hefty wad of money to get a mortgage. It’s typical for all the fees associated with securing a mortgage—called Closing Costs-to add up to 2% or more of the loan. That’s a stiff $4,000 or so on a $200,000 mortgage.

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Emergency Fund, Home Buying, Home Loans, Mortgage, Mortgage Rates, Rates, Saving

Step 3: Get to the Point: When It Pays to Buy Down Your Mortgage

Lenders like to give home borrowers choices when it comes to their mortgage rate. You’ll always be presented with a standard rate: what you qualify for based on how the lender sizes up your financial profile (credit score, income, debts etc.) And then you will also be presented with some options to “buy down” or reduce that interest rate.

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Home Buying, Home Loans, Investing, Mortgage, Mortgage Rates

Suze’s Mortgage Tip #2: Know the Down Side of Making a Small Low Down Payment.

My absolute best advice is to strive to make a 20% down payment when you buy a home. I know that can be a lot of money. But hear me out. What you need to understand is that a small down payment can end up costing you big time.

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Financial Security, Home Buying, Home Loans, Mortgage, Mortgage Rates, Personal Growth

Suze’s Mortgage Tip #1: Shop Around

It amazes me that so many homebuyers who spent weeks, if not months, hunting around for the best home, don’t shop around as diligently for the best mortgage. According to the Consumer Financial

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Children, Children And Money, Home Buying, Home Loans, Investing, Kids, Mortgage, Mortgage Rates, Saving, Teens

Turn a Child/Grandchild’s Summer Job into a Retirement Windfall.

If you have a child or grandchild who is going to get paid for work this summer, I want you to consider a way to gift them a valuable retirement stake.

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Home Buying, Home Loans, Investing, Mortgage, Mortgage Rates, Stock Market

Four Smart Moves in a Falling Stock Market

Nobody likes to see the value of their investment accounts fall, but whether it’s a correction (a drop of at least 10% but less than 20%) or a full-on bear market (a decline of 20% or more) the reality is that markets go through rough periods. Always have, and always will.

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Fico Score, Home Buying, Home Loans, Investing, Mortgage, Mortgage Rates

4 Signs You’re About to Make a Very Big Real Estate Mistake

With the Spring home buying rush just around the corner, I want to make sure that you don’t buy into a very big mistake.

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Home Loans, Mortgage, Retirement, Saving, Social Security

4 Ways New Mortgage Rules Can Save You a Ton of Money

Whether you are buying a home or refinancing an existing mortgage, new federally required disclosure documents make it easy-yes, I said easy-to be a super smart mortgage shopper.

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Children, Family, Home Buying, Home Loans, Kids, Life Insurance, Mortgage, Mortgage Rates

The Massive Mistake 4 in 10 Parents With Young Children Make …and how to fix it in four easy steps

A new survey makes me sad, mad and very nervous. According to Bankrate.com, 37% of parents with children under the age of 18 have no life insurance. And even the parents with life insurance aren’t really protecting their family, as one-third have policies with death benefits that do not exceed $100,000. That may sound like a lot of money, but it’s woefully little once you sit down and run the numbers.

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401k, Home Buying, Home Loans, Mortgage, Mortgage Rates, Retirement, Saving

Why You Should Seriously Consider a Roth 401(k)

You know I love, love, love Roth IRAs. One of the prime reasons being that in retirement you will not owe a penny of tax on your withdrawals. That’s quite different from a Traditional IRA where every penny will be taxed at your ordinary income tax rate.

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Home Buying, Home Loans, Mortgage, Mortgage Rates, Personal Growth, Saving

Three Steps to Guaranteed Financial Independence

As a nation we set aside one day a year to formally celebrate our independence. When it comes to your money my hope is that you will make every day, not just July 4th, a day where you make conscious decisions that will help you build financial independence: a life where you are in control of your money, and not vice-versa.

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Home Buying, Home Loans, Mortgage, Mortgage Rates, Retirement, Saving, Social Security

How to Get the Most Out of Social Security

Your Social Security retirement benefit is one of the most valuable pieces of your retirement plan. Not only will it likely account for a large portion of your income when you retire, but it also has an incredible feature: your annual benefits increase with inflation. Your 401(k) and IRAs don’t come with such a great guaranteed inflation-protection feature.

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Budgeting, Family, Home Buying, Home Loans, Marriage, Mortgage, Mortgage Rates, Weddings

How To Marry Your Finances

It’s no secret that money can be a serious wedge issue for couples. Survey after survey reports that when couples argue, finances are often at the heart of the discord. Here’s how every couple can lay the groundwork for financial compatibility.

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About Suze, Family, Home Buying, Home Loans, Personal Growth

Suze Orman’s Practical Real-Estate Portfolio

The personal finance expert’s holdings are in places like New York, the Bahamas and South Africa

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Estate Planning, Home Loans, Mortgage, Must Have Documents, Saving, Trust, Will

Why Everyone Needs a Living Revocable Trust

Everyone needs a living revocable trust, says Suze Orman on this week's episode of "The Suze Orman Show." In response to several emails and tweets asking why a trust is so mandatory, Orman spells it out. "A living revocable trust serves as far more than just where assets are to go upon your death and it does that in an efficient way," she said. Unlike a will, a living trust also covers you while you are still alive, Orman noted.

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Career, Home Buying, Home Loans, Mortgage, Mortgage Rates, Personal Growth, Work

Resist home-buying pressure, Suze Orman advises

The recent rise in housing prices and the decrease in supply in certain parts of the country have some people willing to spend every nickel they have to get into the market now. But Suze Orman warns hopeful homebuyers not to be hasty and end up house poor.

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