FAQs tagged as

Mortgage

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  1. Can small investors buy collateralized mortgage obligations (CMOs)?

  2. What is the difference between an option-adjusted spread and a Z-spread in reference ...

  3. What are some historical examples of debt securitization?

  4. What price-to-book ratio is considered average in the chemicals sector?

  5. How can I use the correlation coefficient to predict returns in the stock market?

  6. Did the repeal of the Glass-Steagall Act contribute to the 2008 financial crisis?

  7. What is the difference between secured and unsecured debt?

  8. What's the difference between a collateralized mortgage obligation (CMO) and a mortgage-backed ...

  9. Do creditors have the same rights in all 50 US states?

  10. What is a Z bond in a collateralized mortgage obligation (CMO)?

  11. Were collateralized mortgage obligations (CMOs) responsible for the financial crisis ...

  12. What's the difference between the prime rate and the repo rate?

  13. What should ordinary borrowers know about the prime rate?

  14. What do mortgage lenders use the securitization food chain?

  15. Do mortgage escrow accounts earn interest?

  16. What role did securitization play in the U.S. subprime mortgage crisis?

  17. How often is interest compounded?

  18. How does the loan-to-value ratio affect my mortgage payments?

  19. What's the difference between a collateralized debt obligation (CDO) and a collateralized ...

  20. What is the difference between a savings & loan company and a bank?

  21. Why does the loan-to-value ratio matter?

  22. Why do MBS (mortgage-backed securities) still exist if they created so much trouble ...

  23. Are all mortgage backed securities (MBS) also collateralized debt obligations (CDO)?

  24. What is the difference between a collateralized debt obligation (CDO) and an asset ...

  25. How did moral hazard impact the financial crisis of 2007-08?

  26. What is the difference between a PMI (primary mortgage insurance) loan and a Federal ...

  27. How do banks measure the Five Cs of Credit?

  28. Why would a homebuyer need to take out PMI (private mortgage insurance)?

  29. What are the implications of a low Federal Funds Rate?

  30. Does the bank set up an escrow account for the buyer and seller in a home sale?

  31. How does the bank profit off of escrow accounts?

  32. Who manages an escrow account?

  33. How can investors use trends in the unemployment rate to evaluate the outlook of ...

  34. What are key government regulations that affect investing in the banking sector?

  35. What are the best ways to pay off my mortgage quickly?

  36. What is a combined loan to value ratio?

  37. What are the pros and cons of a simple-interest mortgage?

  38. What is the most typical holding in an SPV?

  39. What is the underwriter's job in a real estate transaction?

  40. Why do bankers incur risk when underwriting?

  41. What loans do and don't have an APR?

  42. Are APRs different in different countries?

  43. What are the pros and cons of owning an equity REIT versus a mortgage REIT?

  44. What is the debt ratio for an FHA loan?

  45. What factors should I consider when shopping for the best mortgage lender?

  46. Is it a good idea to add a reverse mortgage to your retirement strategy?

  47. How can a reverse mortgage help wealthy and poor retirees?

  48. Why is due diligence important before a company acquisition?

  49. How should you choose the amortization period for your mortgage?

  50. What is the key to finding your ideal mortgage?

  51. Where are home values falling the fastest in the US, and why?

  52. How did the ABX index behave during the 2008 subprime mortgage crisis?

  53. How do traders use the ABX index?

  54. What are the main categories of debt?

  55. Does every inquiry affect a credit score?

  56. Why is APR used to compare long-term loans?

  57. What are the differences between a home equity line of credit (HELOC) and a home ...

  58. How does refinancing my mortgage affect my FICO score?

  59. What are some examples of a good time to take out a home equity line of credit (HELOC)?

  60. What's the difference between a secured line of credit and an unsecured line of credit?

  61. Do payday loans hurt my ability to get a mortgage?

  62. Is the interest on a home equity line of credit (HELOC) tax deductible?

  63. How are real estate taxes calculated?

  64. What does FNMA stand for?

  65. What are the differences among a real estate agent, a broker and a realtor?

  66. What do real estate attorneys do?

  67. What are the requirements for an FHA loan?

  68. What's the difference between short sales and foreclosures?

  69. What are the requirements to apply for a reverse mortgage loan?

  70. What’s the difference between a mortgage lender and a mortgage servicer?

  71. What are the different types of reverse mortgages?

  72. Are good faith estimates (GFEs) accurate?

  73. When did the real estate bubble burst?

  74. What alternatives are there to a reverse mortgage?

  75. What real estate documents need to be recorded?

  76. What counts as "debts" and "income" when calculating my debt-to-income (DTI) ratio?

  77. How does my debt-to-income (DTI) ratio affect my ability to get a mortgage?

  78. What are the best ways to invest in mortgage-backed securities (MBS)?

  79. Can I buy a house directly from Fannie Mae (FNMA)?

  80. On average, what can I expect my private mortgage insurance (PMI) rate to be?

  81. How does Fannie Mae (FNMA) make money?

  82. How can I avoid paying private mortgage insurance (PMI)?

  83. Should I pay my mortgage with my credit card to earn credit card rewards?

  84. If my mortgage lender goes bankrupt, do I still have to pay my mortgage?

  85. Is life insurance good for mortgage protection?

  86. My mortgage payments are no longer affordable; is there anything that I can do to ...

  87. What is PMI, and does everyone need to pay it?

  88. How do I know if I should refinance my mortgage?

  89. Is it possible to short sell real estate?

  90. What is foreclosure investing?

  91. How does the American Housing Rescue and Foreclosure Prevention Act of 2008 affect ...

  92. What is the difference between a collateralized mortgage obligation (CMO) and a collateralized ...

  93. How does a credit crunch occur?

  94. I'm about to retire. If I pay off my mortgage with after-tax money I have saved, ...

  95. Why does the majority of my mortgage payment start out as interest and gradually ...

  96. Is there any time I would want to have a zero-principal mortgage?

  97. What is a Ginnie Mae security?

  98. I've come into a large amount of money. Should I invest it or pay off my mortgage?

  99. What is the difference between a 2/28 and a 3/27 ARM?

  100. What are the benefits of an assumable mortgage?

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