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Email your home loan financing questions to Kristin Abouelata, Home Loan Specialist, at question@kristinmortgage.com or call (865) 567-0113. Kristin will try to answer all questions on her website Home Loans Plain Talk.
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 Getting a Mortgage? on What Term?When exploring your options regarding a mortgage, people often overlook the most basic consideration. How long do you want to make payments? What’s the Low Down on Loan to Value?When buying a home, most people only concern themselves with the interest rate and the type of loan they are getting. However, the loan to value may be another aspect to take into consideration. Mortgage Lending and Identity Theft: What You Should KnowWhen you apply for a mortgage these days, lending institutions gather enough information on you to form an independent DNA sample (not really, but you get the picture). What steps should these organizations take to protect you from identity theft? Mortgage Lending: It’s a History LessonWhen applying for a loan, a mortgage lender cares more about your past than your future. And sometimes, a lender cares more about your past than the present…… Interest Rates: One Man’s Gain is Another’s LossHow can two borrowers can buy the same house, and get completely different interest rates? There are multiple considerations to take into account when a lender is pricing an interest rate for a customer…… First Time Homebuyer? Give Me a Break! (a Tax Break Please)The Housing Assistance Tax Act, which is a section of the recently passed Housing and Economic Recovery Act, provides some incentives to put the residential housing market back on it’s feet. Are you in a position to take advantage of them? Jumbo Loans and White Elephants: Will the Pace Pick Up?The rates for jumbo loans (loans above $417,000) have caused somewhat of a glut in the real estate market of higher end homes. What’s caused these rates to stay steadily higher while rates for traditional loan sizes have seen record lows in the past months? Need Cash for a Home Closing? Consider a GiftComing up with a down payment or money for closing costs for a home loan can be a challenge these days. What extra money you were setting aside may all of sudden be going toward your gas tank or your grocery bill. To obtain your dream of homeownership, it may be time to accept that gift from Mom and Dad……… Pay Into the Kitty: How Does Escrow Work?When you finance your home, it’s very typical to see money set aside into an escrow account. What purpose does an escrow account serve, and do you have to have one? Mortgage Lending: What’s Your Point?When considering a mortgage, oftentimes a borrower is perplexed by the question of whether to pay a “point” for a certain interest rate offered by their lender. What exactly are points and when should you pay them?
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