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Use the Mortgage Calculator Online for Home Loan Qualifying
How much Income do I need to qualify for a loan? . Mortgage Rates and Mortgage Calculator - Mortgage101.com. MORTGAGE RATES . Term In Years .
http://www.mortgage101.com/qualifying-calculator

How Much House Can I Afford - Home Affordability Calculator - Zillow
. you can afford by analyzing your income, debt, and the current mortgage rates. . This is the length of time you choose to pay off your loan (e.g., 30 years, .
http://www.zillow.com/mortgage-calculator/house-affordability/

How to apply

111000.00 IN 3 YEARS IS FAST MORTGAGE PAY DOWN - YouTube
Mar 26, 2009 . Fast Mortgage Payment with SMERP works. A Burnaby Health Care Worker takes her Mortgage Down by $111000.00 in just over three years.
http://www.youtube.com/watch?v=XMfm5gxtd-g

refinance 15 year mortgage calculator

A 15-Year Mortgage Isn't for Everyone - Yahoo! Finance
Aug 30, 2010 . Maybe you're worried in the future that income might change," Cutts said. With a 30-year mortgage, you have more flexibility. "Shortening to 15 .
http://finance.yahoo.com/news/pf_article_110512.html

How We Paid Off Our House In 3.5 Years — Domestic Imperfection
Apr 22, 2012 . We got a 30 year mortgage at 5.25% and our payments were just over . So without further adieu, here are the top five ways to pay off your .
http://www.domesticimperfection.com/2012/04/how-we-paid-off-our-house-in-3-5-years/

Compare Programs

Homeowner Assistance Programs How You Qualify

GMAC Mortgage Loan Modification (1st Mortgages and 2nd Mortgages)

Quicken Loans Pay - Quicken Loans Jobs | Indeed.com
I interviewed for the mortgage banker position at Quicken Loans a couple of months ago. I was told the salary is $20,800! I have a BA in finance & three years .
http://www.indeed.com/forum/cmp/Quicken-Loans/Quicken-Loans-Pay/t18623

Qualifications for all loans
  • What Percentage of Income Can You Afford for Mortgage Payments?
    Sep 15, 2009 . Your mortgage payment should not be more than 25% of your take-home pay and you should get a 15-year or less fixed-rate mortgage…Now .
    http://www.moneyunder30.com/percentage-income-mortgage-payments

  • Share Your Mortgage Pay Off Story
    My partner and I have committed to paying our mortage off with 5 years and are on track - 4years and 4months to go! We decided to live off a single income, with .
    http://frugalliving.about.com/u/ua/readertipsandadvice/Share-Your-Mortgage-Pay-Off-Story.htm

  • Mortgage Basics, Ch. 1: Can you afford that house? Know debt-to ...
    Take a homebuyer who makes $40,000 a year. The maximum amount for monthly mortgage-related payments at 28 percent of gross income is $933. ( $40,000 .
    http://www.bankrate.com/finance/mortgages/how-much-house-can-you-buy--1.aspx

  • 100k/year salary = how much house? (Orange: renting, insurance ...
    Feb 16, 2010 . Just curious what folks out there who earn $100k year (and not much more) are able to afford in terms of housing, or have any suggestions.
    http://www.city-data.com/forum/new-jersey/897333-100k-year-salary-how-much-house.html

Additional Qualifications

For First Mortgage Primary Residences only
  • Confirmation of Salary for a Mortgage Application | Home Guides ...
    You need to show you can afford and pay the mortgage, that you have a . income over a longer period and determine if your current year's income is in line with .
    http://homeguides.sfgate.com/confirmation-salary-mortgage-application-7556.html

  • Suze Orman: 3 things to do right now - CBS News
    Mar 25, 2012 . You're 45 years of age or older. If you're going to stay in that home forever, what should you do? You want to catch up. Pay down the mortgage .
    http://www.cbsnews.com/8301-3445_162-57404151/suze-orman-3-things-to-do-right-now/

For First Mortgage Investment Properties only
  • Fall 2012 : USDA Home Loan Mortgage Guidelines (Plus Mortgage ...
    Aug 14, 2012 . Beginning for October 2012, the USDA mortgage program has set forth . 2 years of federal tax returns to verify your self-employment income.
    http://themortgagereports.com/6689/usda-loan-mortgage-guidelines

  • How to pay off your mortgage early - retire home loan – MSN Money
    Jun 7, 2011 . Why not just pay $650, then? An extra $6 a month on a $200,000, 30-year loan can save you four payments at the end of the mortgage.
    http://money.msn.com/home-loans/how-to-pay-off-your-mortgage-early-bankrate.aspx

  • How much can you really afford to spend on a house?
    Feb 27, 2012 . If the last few years have taught us anything, it's this: Never buy more . Just enter your income and non-mortgage debt payments into our .
    http://www.newsday.com/classifieds/real-estate/how-much-can-you-really-afford-to-spend-on-a-house-1.3560689

  • 3 ways to pay off your mortgage faster- MSN Money
    Jan 30, 2012 . The statement made about being able to pay a 30 year mortgage off in 22 years with one extra payment per year is incorrect - If you make one .
    http://money.msn.com/saving-money-tips/post.aspx?post=d0664b5a-5ad1-4aa2-a0d7-3579b268195f

For Second Mortgages only
  • Should we make extra payments on the mortgage?
    Feb 24, 2012 . Last time I refinanced, I went with a 15 year mortgage. About 1-2 years ago, I started to pay additional principle payments to have it paid off by .
    http://retireby40.org/2012/02/extra-payments-mortgage/


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Qualifications subject to product type and state laws

Home Affordable Modification Program (HAMP)

Pay off your mortgage in 2012? - 1 - Debt repayment – MSN Money
Jan 12, 2012 . Paying off your mortgage might sound like an ambitious New Year's . The simplest way to pay off a mortgage is to add an extra amount, say .
http://money.msn.com/home-loans/pay-off-your-mortgage-in-2012-bankrate.aspx

They paid down huge debt; so can you - budgeting & credit cards ...
I try to pay 650 a month @ 0-5% apr cards with 16k debt. Make 35k year which for my state isnt horrible, mortgage is $610 w escrow refinanced to 4.5% to drop it .
http://money.msn.com/credit-rating/they-paid-down-huge-debt-so-can-you.aspx?cp-documentid=6793687

  • Mortgage payoff calculator
    Maximum APR is 20%. Mortgage length (years): Total length, or term, of your original mortgage in years. The most common lengths are 30 years and 15 years.
    http://www.bankrate.com/calculators/mortgages/mortgage-loan-payoff-calculator.aspx

  • You closed your loan on or before 1/1/2009
  • Your mortgage is for your primary residence
  • You've fallen behind or are about to fall behind on your mortgage payments
  • 15-Year Fixed-Rate Mortgage: Low Rates With a Short Term ...
    6 days ago . 15-Year Fixed Rate Mortgage as low as 2.875% (3.291% APR) = Act Now! Do you want to pay less interest over the course of your loan?
    http://www.quickenloans.com/home-loans/15-year-fixed

  • You can provide copies of your most recent tax returns and will sign an affidavit of financial banking recruiters in florida
  • Average Mortgage Loan Processor I Salary Information plus Job ...
    National average Mortgage Loan Processor I salary range, job & career . Requires a high school diploma or its equivalent and 0-2 years of related experience.
    http://www1.salary.com/Mortgage-Loan-Processor-I-Salary.html

You can learn more about the federal government's Making Home Affordable programs at yoga jewelry ny

Couple Lives In $1.3 Million, 4900 Square Foot Home For Five Years
Mar 5, 2012 . In five years, they have never made a mortgage payment, a fact that . fewer pay the biggest staple bill in a US household: their mortgage.
http://www.zerohedge.com/news/couple-lives-13-million-4900-square-foot-home-five-years-without-making-single-mortgage-payment

Short Sale

Pay Down the Mortgage or Invest More? - Mr. Money Mustache
Feb 24, 2012 . But wait, we are also paying down that mortgage. Year 1, your tenants pay down $1,012.19 per house of mortgage, or an extra $4048.76 that .
http://www.mrmoneymustache.com/2012/02/24/pay-down-the-mortgage-or-invest-more-a-winwin-question/

  • You owe more than your home is worth
  • You have a health plus credit union
  • You cannot afford your current monthly mortgage payments

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Deed in Lieu

Is There Mortgage Help For The Self-Employed?
Jan 24, 2012 . Are stated-income home mortgage loans still an option? . adjusted gross income for the last two years is averaged unless the most recent year .
http://www.realestate.com/advice/mortgage-help-for-the-self-employed

  • May Mortgage Update: And what to do with DH's salary next year ...
    May 1, 2012 . Last month (April): Balance: $106607.65 Years left: 9.166666667 P = $781.78, I = $432.62, Escrow = 726.93 This month (May): Balance: .
    http://nicoleandmaggie.wordpress.com/2012/05/01/may-mortgage-update-and-what-to-do-with-dhs-salary-next-year/

  • You're unable to afford your current mortgage payment

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Home Affordable Foreclosure Alternatives (HAFA) — Short Sale

How Much House Can I Afford? at Save Money with Credit Sesame
May 22, 2012 . Let's say you earn an annual salary of $60,000 per year, and your . you can afford a mortgage payment as high as 28% of your gross income.
http://www.creditsesame.com/blog/how-much-house-can-i-afford/

  • You didn't qualify for HAMP
  • Quicken Loans Mortgage Banker Salary | Glassdoor
    Aug 16, 2012 . A free inside look at Quicken Loans Mortgage Banker salaries posted anonymously by . Find by Years Of Experience, Find by Location .
    http://www.glassdoor.com/Salary/Quicken-Loans-Mortgage-Banker-Salaries-E7856_D_KO14,29.htm

  • Are We Still Having The 15 vs. 30 Year Mortgage Debate ...
    May 9, 2012 . If you are one of those people who feels the need to pay off the mortgage quicker, might I suggest an alternative? Take out the 30 year loan, .
    http://financialuproar.com/2012/05/09/are-we-still-having-the-15-vs-30-year-mortgage-debate/

  • You closed on/before 1/1/2009
  • Your mortgage is for your primary residence

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Home Affordable Foreclosure Alternatives (HAFA) — Deed in Lieu

Mortgage Underwriter Salary | Glassdoor
Sep 10, 2012 . A free inside look at Mortgage Underwriter salary at 23 companies. . Note: Salary may vary based on location, years of experience, and/or .
http://www.glassdoor.com/Salaries/mortgage-underwriter-salary-SRCH_KO0,20.htm

  • You don't qualify for HAMP
  • You couldn't sell your home through a HAFA Short Sale
  • Mortgage Modification and Refinancing Under the Making Home ...
    Your debt-to-income ratio won't include payments on a second mortgage on your . of 2%, and if necessary, increase your mortgage term beyond 30 years.
    http://www.nolo.com/legal-encyclopedia/mortgage-modification-refinancing-under-the-making-home-affordable-program.html

  • You closed on/before 1/1/2009
  • Your mortgage is for your primary residence

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What to Expect

How Much Of Your Mortgage Payment Goes Towards Loan ...
Mar 9, 2010 . Or consider checking out my online income reports. Thanks for visiting! If you have a mortgage that is only a few years old, then likely the .
http://20smoney.com/2010/03/09/how-much-of-your-mortgage-payment-goes-towards-loan-principal/

What you'll be able to do

  • Get contact information for your Relationship Manager
  • Check the status of your request
  • Send & receive documents

Pros and Cons: 30-Year Mortgage vs. 15-Year Mortgage
Sep 30, 2009 . It's easy to see that the borrower will pay less for her home with the 15-year loan. But mortgages aren't one-size-fits-all. There are other factors .
http://www.getrichslowly.org/blog/2009/09/30/pros-and-cons-30-year-mortgage-vs-15-year-mortgage/

Contact us

Paying Off Mortgage Early| Pay Off Mortgage or ... - Five Cent Nickel
May 15, 2009 . In other words, why pay off a 5% mortgage when you could be earning 8-10% on that money? Of course, one only has to look at the past year .
http://www.fivecentnickel.com/2009/05/15/pay-off-mortgage-early-or-invest/


1-800-850-4622
Mon through Fri from 6 am to 10 pm CT or Sat from 8 am to 2 pm CT

When self-employment meant the end of my mortgage hopes ...
Mar 23, 2012 . Since getting our fixed-rate mortgage almost two years ago, we have overpaid it . Unusually, PAYE made up about half of my income last year.
http://www.guardian.co.uk/money/2012/mar/23/self-employment-end-mortgage-hopes

Concerns about your Loan Modification or Short Sale

Recasting or Shortening Your Mortgage – Pros and Cons
May 25, 2010 . For example, with most 30 year fixed rate mortgages, you pay a huge amount of interest for the first seven years or so of your mortgage. As you .
http://www.fivecentnickel.com/2010/05/25/recasting-or-shortening-your-mortgage-pros-and-cons/

What's New

Hope LoanPort® Partners with GMAC Mortgage to Launch Homeowner Connect™

Our Mortgage Payoff Plan | Budgets Are Sexy
Sep 26, 2011 . And quite honestly waiting 8 years to pay off ONE of the mortgages completely bores me to DEATH. So, I'll be sticking with my gut and going for .
http://www.budgetsaresexy.com/2011/09/mortgage-payoff-plan/

Salary of Mortgage Bankers | eHow.com
Regular underwriters for other types of loans earn the second highest annual salaries at $49,584 per year. Mortgage banking employees who work as business .
http://www.ehow.com/info_7990109_salary-mortgage-bankers.html

Mortgage Calculator | Pre-Qualify for Home Loan | Income ...
Howard Hanna's mortgage calculator will help you to determine your estimated monthly payments and to set a . Other calculators available include our income calculator and more. . 30 years, 25 years, 20 years, 15 years, 10 years, 5 years .
http://www.howardhanna.com/finance/

An Extreme Early Mortgage Payoff Story
Sep 2, 2011 . BTW, I have a mortgage and I'd love to pay it off early…I'm working on it but it's still going to take 20 years at least. 7. Crag Says: September .
http://www.fivecentnickel.com/2011/09/02/an-extreme-early-mortgage-payoff-story/

Ask Stacy: Should I Pay Off My House or Invest? | Money Talks News
Jan 17, 2012 . He's 29 years old, his only debt is his mortgage, and he's got enough in the stock market to pay it off. What would you do?
http://www.moneytalksnews.com/2012/01/17/ask-stacy-should-i-pay-off-my-house-or-invest-in-stocks/

National Mortgage Settlement

The Debt-to-Income Ratio: How Much House Can You Afford?
Nov 11, 2008 . A few years ago I couldn't believe that banks were reportedly offering mortgages of 5x annual salary. In my opinion the banks got greedy – as .
http://www.getrichslowly.org/blog/2008/11/11/the-debt-to-income-ratio-how-much-house-can-you-afford/

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Wells Fargo Home Mortgage Consultant Salary | Glassdoor
Jul 24, 2012 . 10 Wells Fargo Home Mortgage Consultant salary reports. A free inside look at Wells Fargo . Find by Years Of Experience, Find by Location .
http://www.glassdoor.com/Salary/Wells-Fargo-Home-Mortgage-Consultant-Salaries-E8876_D_KO12,36.htm

Bank of America Mortgage Loan Officer Salary | Glassdoor
Aug 14, 2012 . A free inside look at Bank of America Mortgage Loan Officer salaries posted anonymously by . Find by Years Of Experience, Find by Location .
http://www.glassdoor.com/Salary/Bank-of-America-Mortgage-Loan-Officer-Salaries-E8874_D_KO16,37.htm

Paying Off the House in 15 Years - WSJ.com
Aug 29, 2010 . Maybe you're worried in the future that income might change," Ms. Cutts says. With a 30-year mortgage, you have more flexibility. "Shortening .
http://online.wsj.com/article/SB10001424052748703669004575458203846437616.html

Seven Biggest Money Mistakes: Your Mortgage
$250,000 mortgage at 7% for 30 years = $1,663 monthly payment. Total interest you pay over 30 years = $348,772. Total amount paid = $598,772 (interest plus .
http://financialplan.about.com/od/personalfinancebasics/a/MoneyMistakes_2.htm

What is the average mortgage broker/Loan officer salary today?
Askville Question: What is the average mortgage broker/Loan officer salary today ? . Median Salary by Years Experience - Job: Loan Officer (United States) Print .
http://askville.amazon.com/average-mortgage-broker-Loan-officer-salary-today/AnswerViewer.do?requestId=22878620

Should I Pay Off My Mortgage Early Or Invest? | Frugal Dad
Feb 24, 2009 . I have 29 years of my 30 year fixed mortgage ahead of me. If I pay off extra now, all I'm doing is paying the principal from the 30th year and .
http://frugaldad.com/2009/02/24/should-i-pay-off-my-mortgage/

7 Easy Ways to Trim Your Mortgage Costs - My Money (usnews.com)
Apr 14, 2011 . Each month, pay your mortgage from the account. At the end of the year, you will have made 26 half payments, which is 13 full payments.
http://money.usnews.com/money/blogs/my-money/2011/04/14/7-easy-ways-to-trim-your-mortgage-costs

Mortgage Banker Salary | Glassdoor
Sep 3, 2012 . A free inside look at Mortgage Banker salary at 22 companies. . Note: Salary may vary based on location, years of experience, and/or other .
http://www.glassdoor.com/Salaries/mortgage-banker-salary-SRCH_KO0,15.htm

12 tips to pay off a mortgage faster
The Ultimate Guide to Home Finance is informative and user friendly - call 13 LOAN 12 tips to pay off a mortgage faster - www.homefinanceguide.com.au.
http://homefinanceguide.com.au/mortgage-tips/mortgage/

Mortgage Loan Officer Salary | Glassdoor
5 days ago . A free inside look at Mortgage Loan Officer salary at 29 companies. . Note: Salary may vary based on location, years of experience, and/or .
http://www.glassdoor.com/Salaries/mortgage-loan-officer-salary-SRCH_KO0,21.htm

Mortgage Loan Manager Jobs - Position Requirements, Salary Range
Become a mortgage loan department manager - earn excellent pay with a path . the overall number of banking jobs is expected to grow over the next ten years.
http://www.jobmonkey.com/banking/loan-manager.html

Required Income Calculator - Interest.com
What income is required to qualify for a mortgage?That largely depends on . The most common mortgage terms are 15 years and 30 years. Information and .
http://www.interest.com/mortgage/calculators/required-income-calculator/

Concerns about your Loan Modification or Short Sale

Social Security income calculator
Years of retirement income: Total number of years you expect to use your retirement income. Percent of . Mortgage; Home Equity; Auto; CDs; Credit Cards .
http://www.bankrate.com/calculators/retirement/social-security-income-calculator-tool.aspx

Natural Disaster Relief

Provident Funding Mortgage Underwriter and Closer Salary ...
Apr 3, 2012 . 5 Provident Funding Mortgage Underwriter and Closer salary reports. A free inside look at . Find by Years Of Experience, Find by Location .
http://www.glassdoor.com/Salary/Provident-Funding-Mortgage-Underwriter-and-Closer-Salaries-E155967_D_KO18,49.htm

Do you qualify for a jumbo mortgage?
Many lenders are offering jumbo mortgage now, but requirements are stricter. . In the go-go years, around 2003 to the middle of 2007, lenders steadily . Borrowers easily got jumbo mortgages without having to verify the income stated on .
http://www.bankrate.com/finance/mortgages/do-you-qualify-for-a-jumbo-mortgage-1.aspx

Paying Off a 30-Year Fixed-Rate Mortgage in 15 Years
Dave Ramsey mentions the statistic that more than 97% of people who planned to pay their 30-year mortgage in 15-years do not. He has seen from his personal .
http://www.consumerismcommentary.com/paying-off-a-30-year-fixed-rate-mortgage-in-15-years/

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What percentage of your net income should go towards a home ...
Feb 27, 2008 . My precent has been 42% for 10 years and we're still making . on a small income the greater part of that income will be taken up by Mortgage .
http://answers.yahoo.com/question/index?qid=20080229094728AA7GC6w

The Average Salary of a Mortgage Banker | eHow.com
The type of industry, location and level of experience a mortgage banker has all . Over 10 years experience yields an average annual salary of $59,914, and .
http://www.ehow.com/info_7769108_average-salary-mortgage-banker.html

Understanding FHA Home Loans
Nov 10, 2008 . The money for an FHA mortgage is not given to borrowers by the FHA; . income history for the two years preceding self-employment and the .
http://www.investopedia.com/articles/mortgages-real-estate/08/fha-home-loans.asp


Quicken Loans Senior Mortgage Banker Salary | Glassdoor
May 11, 2012 . 8 Quicken Loans Senior Mortgage Banker salary reports. A free inside look . Find by Years Of Experience, Find by Location. - Any Experience .
http://www.glassdoor.com/Salary/Quicken-Loans-Senior-Mortgage-Banker-Salaries-E7856_D_KO14,36.htm

Hope Now

Borrowers looking to score mortgage modification
Homeowners who can't pay their mortgage can get a better deal from the lender. . sufficient to pay off the loan, sometimes with the term extended to 40 years or .
http://www.bankrate.com/finance/mortgages/borrowers-looking-to-score-mortgage-modification-1.aspx

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Independent Foreclosure Reviews

6 ways to retire without a mortgage - 1 - retirement & housing - MSN ...
Jan 10, 2012 . A $200,000 mortgage at 6% over 30 years works out to a monthly payment of about $1,200 (excluding taxes and insurance). You'll pay just .
http://money.msn.com/retirement/6-ways-to-retire-without-a-mortgage-kiplinger.aspx

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$600,000 in mortgage debt and wanting a family - Apr. 27, 2012
Apr 27, 2012 . Since they have steady renters and income to cover the loss on the mortgages, Childress advises Yap and Beck to keep the condo and house .
http://money.cnn.com/2012/04/27/pf/mortgage-debt.moneymag/index.htm