Real Estate & Mortgages FAQs

  1. What's considered to be a good debt-to-income (DTI) ratio?

  2. What is the difference between a loan and a line of credit?

  3. How can I tell if a loan uses simple or compound interest?

  4. What is the difference between a non-recourse loan and a recourse loan?

  5. What is the difference between compounding interest and simple interest?

  6. How The 2008 Housing Crash Affected The American Dream

  7. Were collateralized mortgage obligations (CMOs) responsible for the financial crisis of 2008?

  8. What are the differences between debit cards and credit cards?

  9. Why do MBS (mortgage-backed securities) still exist if they created so much trouble in 2008?

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

  11. Which is better, a fixed or variable rate loan?

  12. Do mortgage lenders use FICO 8? (EFX, TRU)

  13. How do debt collection agencies make money?

  14. Can a Best Buy credit card help you build credit?

  15. Which bank actually issues the Best Buy credit card?

  16. Can a Walmart credit card help you build credit? (WMT)

  17. What is the most important "C" in the Five Cs of Credit?

  18. If a collection agency buys my debt from another agency, does the debt become 'new'?

  19. What are the basic requirements to qualify for a payday loan?

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

  21. If My Mortgage Lender Goes Bankrupt, Do I Still Have to Pay My Mortgage?

  22. Do balance transfers hurt your credit?

  23. What are some good alternatives to taking out a line of credit?

  24. What types of liens are seen as good and which are bad for my credit?

  25. What are the differences between payday loans and cash advances?

  26. How can you cancel your Walmart credit card?

  27. Can you pay off your Best Buy credit card in store?

  28. What is an assumable mortgage?

  29. How does CareCredit for pets work?

  30. Are personal loans bad for your credit score?

  31. What are some historical examples of debt securitization?

  32. How does the number of credit card accounts I have affect my credit score?

  33. Can the Best Buy credit card be used anywhere?

  34. How does Sallie Mae disburse funds?

  35. Do mortgage escrow accounts earn interest?

  36. Can I get a balance transfer if I have bad credit?

  37. What's a better way to borrow money: overdraft or credit cards?

  38. Can Sallie Mae loans be forgiven?

  39. When is a balance transfer a good idea for paying off debt?

  40. How do balance transfers affect my credit score?

  41. What's the difference between credit reports and investigative consumer reports?

  42. How is interest charged on most lines of credit?

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

  44. How long does it take for items to show up on my credit report?

  45. How will debt settlement affect my credit score?

  46. What are the best ways to rebuild my credit score quickly?

  47. What are the biggest factors that can affect my credit score?

  48. When is it a good idea to take out a loan to invest?

  49. How long does it take a check to clear?

  50. Is it possible to get a free credit report from Equifax?

  51. What's the difference between a balance transfer and a cash advance?

  52. What is a Ginnie Mae security?

  53. How do mortgage lenders check and verify bank statements?

  54. Are Sallie Mae loans considered federal loans?

  55. What are the differences between delinquency and default?

  56. Can I use a prepaid credit card to pay bills or to transfer money to other accounts?

  57. What is the difference between available credit and credit limit?

  58. Will having several credit cards hurt my credit score?

  59. How do mortgage lenders verify employment?

  60. How can a creditor improve its Average Collection Period?

  61. What's the difference between a grace period and a moratorium period?

  62. Is a home equity loan a good way to pay off my credit card debt?

  63. What are the most common reasons credit limit increase requests are declined?

  64. What does it mean when advertisers say that "financing is available"? Should I trust them to give me a good deal?

  65. What is the difference between "closed end credit" and a "line of credit?"

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

  67. What is the difference between continuous compounding and discrete compounding?

  68. How is the minimum payment on a credit card calculated?

  69. What are the differences between revolving credit and installment credit?

  70. Can student loans be used to pay rent?

  71. Can a debt collector contact me about a debt that's no longer on my credit report?

  72. How does interest work on a cash advance from my credit card?

  73. Can you use your Walmart credit card at Sam's Club?

  74. How does your checking account affect your credit score?

  75. What is the difference between secured and unsecured debts?

  76. What is the difference between an interest rate and an annual percentage rate (APR)?

  77. Does paying my utility bills on time improve my credit score?

  78. How is my credit score calculated?

  79. What's the Difference Between FHA and Conventional Loans?

  80. Does inflation favor lenders or borrowers?

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

  82. Why Do Most of My Mortgage Payments Start Out as Interest?

  83. What is the 1003 mortgage application form?

  84. How Many Mortgage Payments Can I Miss Before foreclosure?

  85. Do Mortgage Lenders Work on Weekends? (WFC)

  86. What’s the Difference Between a Mortgage Lender and a Mortgage Servicer?

  87. What are the different types of subprime mortgages?

  88. When Do Mortgage Payments Usually Start?

  89. Do FHA Loans Have Prepayment Penalties?

  90. How to Find Mortgage Lenders That Use VantageScore

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

  92. Are travel rewards credit cards worth it?

  93. Are balance transfers worth it?

  94. How do travel rewards cards work?

  95. How often does Credit Karma update? (EFX, TRU)

  96. 3 Tips to Refinance a Mobile Home Loan

  97. Is your salary on your credit report?

  98. When is mortgage insurance tax deductible on rental property?

  99. Are direct consolidation loans subsidized?

  100. Are student loans forgiven after death?

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