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Buying real estate is even more challenging for those of us whose eyes glaze over at the mere mention of decimals, percentages or anything else that even hints of mathematics.


The financial aspect of purchasing the largest investment of your lifetime, though, is the most important. Nobody wants to lose money. Nobody wants to leave money on the table.


If you're in the market for information on mortgages, credit scores and interest rates, you've come to the right place. The financial and mortgage pros here at ActiveRain even tell you how to shop for and compare lenders, how to raise your credit score, how to get a mortgage after a short sale or foreclosure and how to get pre-approved for a mortgage loan. Even Mom and Dad can't give the great advice you'll find here at ActiveRain.


Plan to spend some time here because ActiveRain's content library is massive. Lucky for you we've arranged it so that it's über user-friendly. You'll be amazed at how easy it is to put your finger on just the information you're looking for without having to surf a million other pages.

Recent blogs on Lending / Financial
 Starting out in real estate investing can feel overwhelming, especially with all the unfamiliar terms and calculations. But understanding these concepts is key to making smart decisions. Two of the most important terms to grasp are cap rate and cash flow. These are your tools to evaluate how profitable an investment property might be.If you've been unsure about what these mean or how they apply to your real estate journey, let’s break it down together in a way that’s easy to follow. What is a Cap Rate?The capitalization rate, or cap rate, tells you the annual return you can expect from a property if you bought it outright with cash (no loans involved). It’s calculated using this simple formula:Cap Rate = Annual Net Operating Income (NOI) ÷ Property ValueYour NOI is the property’s incom...
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By Kimo Stowell, REALTOR® RS-76763 - Honolulu Hawai'i
(HI Pro Realty LLC RB-21531 )
               Latest rates, based on 20 percent down, $200,000 owner-occupant mortgages. The rates and terms may vary; check with lenders for details. Rates may have changed click here to verifyWednesday, December 4th  Lender Term/Type Interest Rate % Points % *APR American Savings Bank808-593-1226NMLS#423168 15-YR Fixed 5.250 2.125 5.706 30-YR Fixed 6.125 1.875 6.387 5-YR ARM 5.375 2.125 6.832 Bank of Hawaii877-616-2636 15-YR Fixed 5.750 1.000 5.906 30-YR Fixed 6.250 1.625 6.406 5-YR ARM 5.250 1.625 6.550 Central Pacific Bank808-544-0500NMLS#416603 15-YR Fixed 5.375 2.125 5.843 30-YR Fixed 6.000 1.875 6.265 5-YR ARM 6.625 0.000 7.264 Finance Factors808-548-3300NMLS#449916 15-YR Fixed 5.375 1.875 5.892 30-YR Fixed 6.000 2.250 6.356 5-YR ARM 5.875 1.500 7.086 First Hawaiian Bank808-643-...
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By Bill Salvatore - East Valley, Realtor - 602-999-0952 / em: golfArizona@cox.net
(Arizona Elite Properties )
Your credit score could be your golden ticket to homeownership! 🏡 Whether you're aiming for conventional, jumbo, or anything in between, there's a mortgage that fits your financial story. Not sure where you stand? Let’s chat and find the best path to your dream home! #thehelpfulagent #home #houseexpert #house #listreports #homeowner #househunting #a120324 #realestateagent #realtor #investment #realestate #dreamhome #finances
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By Manfred Lewis Leslie Horne & Associates, Realtor Spartanburg and Greenville SC
(Leslie Horne &Associates )
Your credit score could be your golden ticket to homeownership! 🏡 Whether you're aiming for conventional, jumbo, or anything in between, there's a mortgage that fits your financial story. Not sure where you stand? Let’s chat and find the best path to your dream home! #thehelpfulagent #home #houseexpert #house #listreports #homeowner #househunting #a120324 #realestateagent #realtor #investment #realestate #dreamhome #finances
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By Bob Elliot, 30+ Yrs Industry Experience
(eXp Realty)
Leading off with the FOMC Minutes, the Federal Reserve has stated once again they will maintain a “gradual” approach to cutting interest rates, which has aligned with their goals of meeting their target 2% inflation goal. The PCE Index release numbers, the Federal Reserve’s preferred inflation indicator, have shown everything is within expectations. So while the rate cuts may be a gradual process, there is much optimism that they are coming.  Following those reports were the Personal Income Spending, GDP Estimates, and Consumer Confidence pending the holidays. Both the Persona Income and Spending have shown very strong results ahead of the holidays with the income beating expectations. This is met by extremely strong confidence coming from consumers as we see a 16-month high. This is fi...
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By Jason E. Gordon, Sr Loan Officer, CMA, CMPS, CDLP, CDRE, RCSD, CDPE
(CMG Mortgage, San Diego, CA)
When getting divorced, what happens to the home?  What happens to the mortgage?SAMPLE CASE STUDY HE and SHE are getting Divorced BOTH own the Marital Home BOTH are obligated to pay the Existing Mortgage Let's say their goals are as follows: SHE wishes to keep the marital homeWe call HER the "IN-SPOUSE" because SHE desires to stay IN the home HE does not want the homeWe call HIM the "OUT-SPOUSE" because HE desires to move OUT of the home Typically the OUT-SPOUSE will only agree to give the IN-SPOUSE the home under 2 specific conditions: The OUT-SPOUSE wants to be removed from the obligation to pay the existing mortgageIn other words, if the OUT-SPOUSE is giving up the asset, this person also wishes to get rid of the debt. The OUT-SPOUSE wants their "divvy" of the equity in the homeWe oft...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
The Benefits of Rapid Rescoring: Your Fast Track to Better CreditWhen it comes to securing a mortgage, credit scores play a pivotal role. A slight increase in your credit score can mean the difference between securing a great interest rate or paying thousands more over the life of a loan. That’s where rapid rescoring comes in—a game-changing tool for those eager to improve their credit in record time.Rapid rescoring is a service lenders offer to update your credit report and score quickly, often within 3-5 days. Unlike traditional credit updates that take weeks, this process provides a faster way to reflect recent positive changes, giving you the edge when timing is critical.One significant benefit is improved loan eligibility. If your initial credit score puts you just shy of qualifyin...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Pre-approval is a comprehensive process in which the lender verifies the buyer's financial information, including credit history, income, and assets. It provides a conditional commitment from the mortgage company to lend a specific amount pending property appraisal.Pre-qualification is an initial assessment based on self-reported financial information provided by the buyer. It gives a rough estimate of how much a buyer can borrow, but it is merely an opinion.Despite the well-known advantages of getting pre-approved for a mortgage early in the home-buying process, many buyers remain resistant, even to their detriment. Here are several reasons why:Some buyers may not fully understand the benefits of pre-approval or may underestimate its importance. They might see it as an unnecessary step...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
How Charles Stallions Can Help You Find the Right Mortgage BrokerWhen securing a mortgage, having the right expert makes all the difference. Since 1995, Charles Stallions has been your trusted real estate broker, understanding that finding the perfect home starts with securing the right financing. Charles works with all lenders, including VA, Conventional, FHA, and owner financing options.Starting with a trusted real estate broker like Charles ensures you’re paired with the right lender. Over the years, he has personally vetted numerous lenders and built relationships with mortgage brokers who are experienced, trustworthy, and focused on meeting your financial needs. Charles doesn’t just help you find the ideal property—he connects you with the right financing professionals to make your...
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By Bob Elliot, 30+ Yrs Industry Experience
(eXp Realty)
Following the election results, the University of Michigan's Consumer Sentiment Report painted a less-than-stellar picture, reflecting stagnation in sentiment. The prior week was relatively light, aside from the Consumer Sentiment data. However, the S&P PMI Industrial Numbers provided a brighter outlook, indicating some acceleration in manufacturing activity as the holiday season approaches. Looking ahead, the coming week is expected to deliver more significant data on inflation, including the Federal Reserve's preferred measure, the PCI Index.PMI Services IndexThe economy sped up in November and kept the U.S. on track for another strong quarter of growth, fueled by optimism about falling interest rates and the prospect of a pro-business Trump administration. The first reading of the S&...
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By Manfred Lewis Leslie Horne & Associates, Realtor Spartanburg and Greenville SC
(Leslie Horne &Associates )
The recipe for finding and securing the perfect home can be a little tricky - that's why I'm here to help. From navigating the market to negotiating the best deal, I’ll make sure every ingredient comes together in the end. Whether you're a first-time buyer or looking to upgrade, I'm here to make the process as smooth and stress-free as possible. Let’s find the home that’s just right for you!#realestate #realestateagent #buying #selling #listreports #realestateexpert #fhm1122 #financehub #homeowner
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By Bob Elliot, 30+ Yrs Industry Experience
(eXp Realty)
With the release of the latest CPI and PPI data, inflation has increased month-to-month for the first time since March, marking the first rise in over seven months. The Federal Reserve has reiterated its goal of reducing inflation to a 2% target within a year. While this development doesn't necessarily indicate an imminent interest rate hike, it suggests that current rates may remain unchanged for an extended period. Earlier optimism about a potential rate cut by the end of the year has significantly diminished in light of recent inflation figures and economic data. However, Retail Sales data presents a more positive outlook, showing continued economic growth ahead of the holiday shopping season.Consumer Price IndexThe consumer price index climbed 0.2% for the fourth month in a row, the...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
"Marry the Home and DATE the rate," as they say! When you look over time and take a little trip down through the years of mortgage rates, you can see that it is always a great time to buy a home. Charles has been helping buyers and sellers since 1995 through the facts of buying and selling. Call or Text Charles at 850-476-4494 NOW and get the facts and results you are looking for.Mortgage 101: Are you thinking of financing, refinancing, or just needing to understand how the process works? We squash the mortgage myths, and it all starts here. We research whether you need a VA, FHA, conventional, or non-traditional owner-financing loan. We can help simplify the process and remove the challenges. Call or Text "Mortgage 101" to Charles at 850-476-4494 for our FREE INFO PAK. How to Get Mortg...
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By Manfred Lewis Leslie Horne & Associates, Realtor Spartanburg and Greenville SC
(Leslie Horne &Associates )
Remember, these kinds of last-minute changes to your financial picture can derail your closing timeline or even put your loan approval at risk! If you're on the path to buying a home, it’s best to hold off on any major financial shifts—whether it’s changing jobs, taking on new credit, or making large deposits—until after closing. Be sure to reach out to your agent or loan officer before making any big moves.#realestate #realestateagent #1115 #buying #selling #listreports #realestateexpert #financehub #homeowner
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By Laura Sellers, www.AuburnOpelikaALRealEstate.com
(Berkshire Hathaway HomeServices Preferred Real Estate, Inc.; www.AuburnOpelikaALRealEstate.com)
Why Can Two Appraisers Value the Same Property Differently?It can be frustrating when two appraisers provide different valuations for the same property. But there are several factors that can explain these differences. For example, the timing of the appraisal is crucial. A property appraisal from several months ago may no longer be accurate due to market shifts or economic changes. Always check the effective date of an appraisal, especially if it’s from an estate or pre-sale process.The purpose of the appraisal also matters. If one appraisal is for insurance purposes and another is to determine market value, the numbers can differ greatly. Insurance appraisals typically focus on the replacement cost, not the market value. Other types of appraisals, like for retrospective value or liquid...
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By Laura Sellers, www.AuburnOpelikaALRealEstate.com
(Berkshire Hathaway HomeServices Preferred Real Estate, Inc.; www.AuburnOpelikaALRealEstate.com)
Alabama’s Biggest Christmas Tree is in Opelika!It’s that magical time of year, and Opelika, Alabama, is home to a Christmas marvel you simply must see! Standing a staggering 72 feet tall, this incredible Christmas tree dazzles with 106,200 LED lights, 4,232 ornaments, and an awe-inspiring 8×6-foot star that crowns its grandeur. This is not just a Christmas tree—it’s a holiday destination!Whether you’re snapping photos with the family, soaking in the holiday spirit, or marveling at the shimmering lights, this tree is a centerpiece of festive cheer. You’ll find it in Downtown Opelika’s Historic District and it’s quickly becoming a holiday tradition for residents and visitors alike.Why You Don’t Want to Miss It Perfect for Holiday Photos: Capture the magic of the season with a breathtaking...
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By Manfred Lewis Leslie Horne & Associates, Realtor Spartanburg and Greenville SC
(Leslie Horne &Associates )
Planning to sell or refinance your home? Be mindful of prepayment penalties that some mortgages charge if you pay off your loan early. It’s important to review your loan terms to avoid any surprises when you’re ready to move forward. #thehelpfulagent #home #houseexpert #house #listreports #homeowner #investment #a111324 #realtor #realestateagent #realestate
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By Moshon Reuveni
(Private Lending Company)
The world of loans can be overwhelming, especially for first-time borrowers. Whether you're looking to finance a home, buy a car, pay for education, or consolidate debt, understanding the basics of loans is crucial. This guide will walk you through the steps to secure a loan, covering key topics such as private lenders, hard money loans, and how to find a lender using Lendersa.com.LoansA loan is a financial agreement where a lender provides a borrower with a specified amount of money, which must be repaid over time, typically with interest. Loans can vary significantly in type, purpose, and conditions.Types of Loans Personal Loans: Unsecured loans for various expenses like debt consolidation or emergencies. Auto Loans: Secured loans for purchasing vehicles, with the car serving as colla...
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By Moshon Reuveni
(Private Lending Company)
Home equity loans, also known as HELOCs (Home Equity Lines of Credit), offer homeowners a way to leverage the value of their property to access funds. These loans can be used for various purposes, from home improvements to debt consolidation. If you're considering applying for a home equity loan, understanding the process is crucial. This article will guide you through the steps to obtain a home equity loan, including how to find a lender and what to expect during the application process. For a comprehensive search of lenders, visit Lendersa.com.Home Equity LoansBefore diving into the application process, it's essential to understand what a home equity loan is. A home equity loan allows homeowners to borrow against the equity they have built in their property. Equity is the difference b...
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By Bob Elliot, 30+ Yrs Industry Experience
(eXp Realty)
Big inflation reports for the coming week with both CPI and PPI on the schedule. We should expect the data to remain within expectations given the latest reports from both the PCE Index and GDP estimates. The Federal Reserve has still remained hawkish and the last rate decision the expectation is the current rates should maintain. However with the inflation being very close to the Federal Reserve’s target inflation rate and the expected “soft landing” on the horizon. The outlook is optimistic for another round of rate cuts in future.Federal Reserve Rate DecisionIn the face of slowing inflation and strong consumer spending, the Federal Reserve announced that it will keep the interest rate steady, holding the benchmark borrowing rate to a range of 5.2%5 to 5.5%.Consumer CreditThe numbers:...
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