Home Mortgages


Buying a Home

Thanks to the Internet, being an informed home buyer has never been easier. No longer are buyers completely dependent upon real estate agents and mortgage lenders when it comes to gathering information. House listings are readily available online, as are interactive tools that can estimate mortgage payments and percentage rates. If you have never bought a home before, you can find step-by-step guides to the process online. Even seasoned real estate investors can turn to the Web for news and advice, as the market is constantly evolving. Whatever your needs, the Internet is an invaluable source of information for buying a house.

Rent or Buy?

The purchase of a home is likely the single largest transaction you will ever make. If you're ... read more »

Where to Live

Finding the right neighborhood can be just as important as finding the right home. Maybe ... read more »

Choosing a Home

As your hunting begins, you will soon find that there is no shortage of properties for sale. While ... read more »

Find Homes for Sale

There was a time when the only way to find homes for sale was through newspapers or signs in ... read more »

Find Real Estate Brokers

Whether you hire a broker to help you purchase a home is a personal decision. Some people feel ... read more »

Home Inspections and Homeowners Insurance

Now that you've found a home you like, it's time to do a little more sleuthing. As soon as possible ... read more »

Negotiating Home Prices

Negotiating the price of a home requires the same level of research and preparation you've put into ... read more »

Home Mortgages

The process of obtaining a home loan can be arduous and confusing if you're not prepared before you start your quest to find a new home. Review the Web sites in this section to familiarize yourself with financial jargon and the various types of home loans to ensure you'll understand how to secure the loan that's best for you and your financial future.

Dulcinea's Insight

  • Check a lender’s background thoroughly before you get caught up in a lending scheme that makes too-good-to-be-true–sounding promises for people with bad credit who want to own a home.
  • Online-only lending companies often boast low closing fees but it’s always a good idea to compare the fees of a few different lenders to be sure you’re really saving money. Also remember that saving a few hundred dollars in closing costs is easily negated by an interest rate that’s even slightly higher.
  • If your parents or someone else is helping you purchase your first home, remember that recent deposits of large sums of money into your bank account can be difficult to explain to a lender, who will want to know whether that money was a loan that you'll need to pay back.
  • If you want to learn more about how mortgages work, or how to choose the right mortgage for you, browse through the sites recommended in our findingDulcinea Mortgages Web Guide.
  • Ginnie Mae, Freddie Mac, and Fannie Mae are all secondary market lenders. In other words, they provide money to the lending institutions that will be giving you the money you need to buy your home. All three were founded by the federal government, though Freddie Mac and Fannie Mae are now publicly traded, for-profit companies.

Dulcinea's Picks

For general information on applying for a mortgage …
For help choosing the right type of loan …
For tips on evaluating mortgage lenders …
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Closing Process

The day you close on your new home can be a very exciting one but if you want it to go smoothly ... read more »

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