ThinkGlink.com
ThinkGlink.com offers useful news, tips, advice and information from Ilyce Glink regarding personal finance, real estate, and consumer issues. Ilyce Glink is an award-winning, nationally-syndicated columnist, television reporter, radio talk show host and best-selling book author.
Bailout Affects ARM Refinance
How has the recent credit crisis and bailout affected mortgage interest rates? To decide whether to refinance an adjustable rate mortgage into a fixed rate loan you need to understand which index your lender uses to set the ARM interest rate. ARMs are often tied to the London InterBank Offered Rate (LIBOR) or U.S. Treasury bills. These indexes may move in different directions and so you may want to refinance in one case but not the other. When you know which index affects your mortgage loan you will have a better idea of mortgage interest rates when you refinance.
Mortgage Interest Tax Deduction Without Name On Mortgage
A mother-in-law passed away and her son and his wife took over the mortgage payments including mortgage interest. Can they deduct mortgage interest on their taxes even though their names are not on the mortgage? Yes, look at the IRS web site for more information.
Don't Close Credit Card And Protect Credit Score
Closing a long-held credit card can damage your credit score. Is there a way to close a credit card account without it affecting your credit score or credit history? One option may be to negotiate with the credit card company to switch the account number to a credit card without an annual fee.
Preclosing Home Inspection Of Existing And New Construction
When you buy a home you may have it inspected several times by a home inspector. One of the last home inspections you have may be the preclosing home inspection. A preclosing home inspection may include a radon inspection, an asbestos inspection, a check of the appliances, a heating system inspection and an air conditioning inspection. Learn how a preclosing home inspection for new construction includes different checks.
Refinance After Mortgage Crisis: Help To Find Mortgage Lender
It may sound great when you hear you’re pre-approved to refinance your mortgage loan. But how can you figure out whether the mortgage lender who wants to refinance your loan is credible, especially after the mortgage crisis? You can call the Better Business Bureau (BBB) and check out what other mortgage lenders such as credit unions, large national banks and mortgage brokers offer. You can also use an online search engine to check for news on the mortgage lender or broker you’re considering.
Real Estate Agent: How To Complain About One
Who should a home buyer or seller contact to file a complaint about a real estate agent or broker? It depends on where the home buyer or seller lives. Most states have a state agency that regulates real estate agents and brokers. You can also complain to the Better Business Bureau (BBB) or contact your state attorney general's office. Also, the National Association of Realtors has an ethics board that you could contact to complain about a real estate agent or broker.
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