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
    • How Will the Fall Housing Slowdown Affect Your Mortgage Business?

      RGR Marketing HIgh Quality B2B Leads Online Keeping Your Mortgage Business… in Business Spring and summer are generally the busy season for house hunters. It makes sense – the weather is nice, the kids are getting out of school, and most homes seem to have maximum curb appeal with fresh, green lawns and rows of color-coordinated blooms lining the front walkways.

      Matty Byloos/ RGR Marketingin EMail How To's- 9 readers -
  • 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- 11 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- 9 readers -
  • Survey: Android Pay Tops List of Mobile Payment Apps Among U.S. Consumers

    …. Overall, the report showed that privacy and security concerns are the main reasons consumers are hesitant to use mobile payment applications. The report reads: With U.S. mobile payment transactions expected in triple in 2016 to $27 billion, payment options such as Apple Pay could eventually force more widespread changes in consumer behavior…

    AllTwitter- 12 readers -
  • What Low National Delinquency Rates Could Mean for Your Business

    … a role as well. With fewer mortgages underwater, there’s much less of an incentive to walk away from a mortgage payment, since doing so would mean forfeiting equity. Foreclosure Starts Also Falling New foreclosure starts also fell markedly during the first quarter of the year. In between February and March, they fell to just shy of 73,000, a month…

    Matty Byloos/ RGR Marketing- 6 readers -
  • 2016 Outlook on Reverse Mortgages Is Pretty Positive

    … about, now that 2016 is underway. A Return to Stability The now mandatory financial assessment has had a strong impact on overall reverse mortgage volume, causing more than a few peaks and valleys in the reverse mortgage business during 2015. But at this point, industry insiders are predicting a return to normalcy, as the funding situation has…

    Matty Byloos/ RGR Marketing- 8 readers -
  • Mortgage Rates Move Higher After Fed Raises Short-Term Interest Rates

    … RGR Marketing HIgh Quality B2B Leads Online Record-Low Mortgage Rates Now on the Rise We’ve had a good run with these historically low mortgage rates, haven’t we? They’ve spurred post-bubble growth in the housing market, encouraged many homeowners to refinance, and made the dream of homeownership more affordable for rank-and-file buyers…

    Matty Byloos/ RGR Marketing- 6 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- 6 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- 5 readers -
  • With Recent Market Losses, Will the Fed Raise Rates?

    … RGR Marketing HIgh Quality B2B Leads Online Mortgage Professionals Want: Are Rate Hikes on the Horizon? Will the Fed raise rates? That’s been a hot topic of conversation recently. In the wake of the financial crisis of 2008, the Federal Reserve slashed interest rates to record lows, and they’ve been hovering between zero and 0.25% ever since…

    Matty Byloos/ RGR Marketing- 3 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- 6 readers -
  • 5 Simple Ways That Your Mortgage Business Can Earn More Revenue

    … any more than your clients are home buying robots. Get to you’re your clients, and connect on a human level. Mortgage Brokers: Be Transparent The mortgage business is a complex one, but don’t be tempted to gloss over the important details in an effort to smooth the closing process. Make transparency a core component of your mortgage sales process…

    Matty Byloos/ RGR Marketing- 6 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- 9 readers -
  • What Are Buyer Personas and Why Should Your Mortgage Company Care?

    … selection of pertinent information, starting with the general demographic data: age, gender, marriage and household status, geography, education level, career, income, and other broad-stroke categorizations. Once the basics are in place, it’s time to give the buyer persona “character” more depth. What do they do in their spare time? What gives…

    Matty Byloos/ RGR Marketing- 12 readers -
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