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Homebuyer's Fair Mortgage Finance Resources

Many people are intimidated by mortgages. They are referred to a lender, and they passively accept what that lender offers. This can cost you thousands of dollars in unnecessary interest expense. Instead, use the information here to become an informed mortgage shopper.

Articles and Calculators

Resource Type Description
The Intelligent Mortgage Agent (tm) CalculatorUnique calculator to identify the best mortgage program for you
Explanation Article How to use the Intelligent Mortgage Agent
Qualification Calculator Calculator How much can you afford to borrow?
Refinance Calculator Calculator Breakeven point for refinancing
Rent-Buy Calculator Rent vs. Buy analysis
How to shop Article Tips on shopping for a mortgage
Mortgage brokers Article Difference between broker, banker
Mortgage payment Calculator Figure out the monthly payment
Flame War Article 15-yr vs. 30-yr mortgages
Watch Out Article The Asset-integrated Mortgage debunked
Scams2 Article Questioning Biweekly Conversion
COFI ARMs Article Pros and Cons of COFI ARMs
COFI index behavior Article Compares COFI to other indexes
APR Article What the Annual Percentage Rate tells you
Choosing a mortgage Article Recommendation based on your situation
Mortgage worksheet Article How to compare rates, points, etc.
Loan cost comparison Article More on mortgage mathematics
VA Loans Service Veterans Administration Loan Programs
COFI Chart Chart Shows COFI and Treasury index, from r.e. infonet
ARM Index Histories Table Historical data on major ARM indexes
Loan Wolf Review Book Review of The Loan Wolf Mortgage Guide
HSH Associates Web site Current trends in mortgage rates, from HSH
Mortgage Terms Glossary Definitions of Mortgage Terms, from MMIS
APR Calculator Calculator Calculate the APR, from Mark Brubaker
MGIC rate card Table Mortgage Insurance Rates (Acrobat file)
ARM rate checking Article Understand and verify ARM adjustments, from HSH

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