A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.The word mortgage is a French Law term meaning "death pledge", meaning that the pledge ends (dies) when either the obligation is fulfilled or the property is taken through foreclosure.
Posts about Mortgage
  • Everything You Need to Know Before Buying Mortgage Leads

    … RGR Marketing HIgh Quality B2B Leads Online Navigating the World of Purchased Mortgage Leads As mortgage professional, you’re eager to help as many prospective homebuyers realize their dreams of homeownership. It’s good for them, it’s good for you; it’s a win-win situation. But if your own lead prospecting methods aren’t filling your pipeline…

    Matty Byloos/ RGR Marketing- 22 readers -
  • Take Advantage of Housing Seasons in Your Mortgage Marketing

    … RGR Marketing HIgh Quality B2B Leads Online Taking Advantage of Home Buying Seasonality in Your Mortgage Marketing There is a seasonality to the psychology of home buying and selling. Few would argue with the fact that the prime seasons for buying or a selling a home are spring and summer. The reasons for this are very straightforward, almost…

    Matty Byloos/ RGR Marketing- 13 readers -
  • Survey: Android Pay Tops List of Mobile Payment Apps Among U.S. Consumers

    … they have used Android Pay to purchase a product in a store. Android Pay was followed by retailer mobile apps at 12 percent of users and Apple Pay at 11 percent of users. The report showed that the number of Android mobile payment users held steady from last year, while the number of Apple Pay users increased from 4 percent last year. When asked…

    AllTwitter- 16 readers -
  • What Low National Delinquency Rates Could Mean for Your Business

    … RGR Marketing HIgh Quality B2B Leads Online Mortgage Loan Delinquencies Fall to Lowest Rate Since 2007 There’s encouraging news in the mortgage industry. According to those in the know, mortgage delinquencies have hit their lowest point in a long time. They dropped by more than 8% between February and March, for a year-over-year reduction…

    Matty Byloos/ RGR Marketing- 12 readers -
  • 2016 Outlook on Reverse Mortgages Is Pretty Positive

    … basically stabilized. Expect fewer fluctuations in the market during the coming year. The Market Broadens The reverse mortgage is a vehicle intended to increase financial stability for borrowers, but unfortunately, that wasn’t always the net effect. For the most desperate clients, it ended up doing more harm than good. Financial assessments have…

    Matty Byloos/ RGR Marketing- 12 readers -
  • Mortgage Rates Move Higher After Fed Raises Short-Term Interest Rates

    … eyeing a rate hike for some time. Back when the housing bubble burst, the Fed pulled out all the stops to revive the flagging economy, and that included taking action to drop the federal funds rate to zero. The federal funds rate is the rate at which financial institutions lend each other money, and it affects everything from car loans to personal…

    Matty Byloos/ RGR Marketing- 9 readers -
  • Why Cash-Out Refi’s for Home Improvement Are Gaining Momentum

    … are the potential pitfalls? How a Cash-Out Refi Works When a homeowner takes advantage of a cash-out refinance, they’re essentially replacing their existing first mortgage with a brand new first mortgage. This is in contrast to taking out a second mortgage via a home equity line of credit, or HELOC. In the case of a HELOC, the mortgage interest rate…

    Matty Byloos/ RGR Marketing- 9 readers -
  • New FHA Guidelines Make Borrowing More Strict Than Before

    … will not support a full student loan and mortgage payment simultaneously. Under the new rules, graduated payment plans with a current payment of zero dollars will be allowed instead of the two percent of balance stipulation. Authorized User Accounts Going forward, any balances on credit accounts on which the borrower is an authorized user must…

    Matty Byloos/ RGR Marketing- 11 readers -
  • With Recent Market Losses, Will the Fed Raise Rates?

    …. To say that current interest rates are record-setting is an understatement. If you look at an historical graph of the Federal Funds rate, you’ll see that the last time they slid to anywhere near their current levels was back in 1958, but even then, they rebounded in fairly short order. The Federal Funds Rate Demystified Contrary to popular belief…

    Matty Byloos/ RGR Marketing- 4 readers -
  • Does Your Mortgage Business Know About HARP Loans for Its Customers?

    … them refinance. But for those who qualify, there may be hope in the HARP Loan program. Is your mortgage business up to speed on HARP? Learn more about how this federal program works, and how your clients can benefit from taking advantage of it. What Is HARP? HARP stands for Home Affordable Refinance Program. It’s a federal initiative initiated…

    Matty Byloos/ RGR Marketing- 11 readers -
  • 5 Simple Ways That Your Mortgage Business Can Earn More Revenue

    … RGR Marketing HIgh Quality B2B Leads Online Take Your Mortgage Business to the Next Level Things have gotten a lot better for mortgage professionals since the financial crisis cast its long shadow across the real estate market, but most mortgage businesses would happily jump at the chance to bring in more money. Here are 5 simple ways to bring…

    Matty Byloos/ RGR Marketing- 11 readers -
  • Your Mortgage Business and the Community Reinvestment Act

    … RGR Marketing HIgh Quality B2B Leads Online The CRA Prevents Discriminatory Lending There was a time when discriminatory mortgage lending practices were all too common. Lenders would mark off neighborhoods they considered to be “high-risk” in red, and would deny mortgage applications from residents of those neighborhoods. This practice came…

    Matty Byloos/ RGR Marketing- 14 readers -
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