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Answer Contributed by: Matthew Graham
Matthew Graham
Mortgage Backed Securities


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Date Question # Views  
03/07/2008 What's the easiest way to find out what I would qualify for? 5,573 [view]
03/07/2008 How do Fed rate cuts affect mortgage rates? 23,494 [view]
03/05/2008 Are refinance rates the same as purchase mortgage rates? 2,451 [view]
03/05/2008 Since home mortgage rates are tied to the bond market (both national and international), how will the rates be affected by the news this morning that European and Asian stock markets have plunged because of the US market? How closely tied are Mortgage Backed Securities and stock markets? Is it safe to assume that mortgage rates are going to jump up? 2,182 [view]
02/18/2008 Is the APR required to be the same size print as the advertised rate? 1,299 [view]
02/18/2008 What is the difference in a fixed rate mortgage and an adjustable rate mortgage? 5,520 [view]
02/11/2008 What is the difference between a 2/28 ARM and a 2/1 ARM? 1,254 [view]
01/28/2008 What is APR? 15,330 [view]
01/27/2008 How and when is the heloc principal paid back on this Mortgage Acceleration? 2,361 [view]
01/27/2008 Could someone please explain mortgage amortization? 5,189 [view]
01/27/2008 How does the mortgage application process work? 8,383 [view]
01/27/2008 Should I pay off my mortgage or invest my extra money? 4,869 [view]
01/27/2008 What is a bridge loan? 3,014 [view]
01/27/2008 If I can no longer afford another adjustment on my ARM, can I renegotiate my current mortgage interest rate with my lender ? 2,058 [view]
11/23/2007 What are some ways to go about ending your private mortgage insurance early? 1,318 [view]
11/23/2007 What is included in each mortgage payment? 2,415 [view]
11/23/2007 What is an FHA loan? 1,651 [view]
11/23/2007 How much downpayment is required for a home loan? 1,457 [view]
11/23/2007 How do I start a biweekly mortgage reduction plan? 1,654 [view]
11/21/2007 What is a hybrid loan? 2,352 [view]
11/21/2007 What is an interest only loan? 5,644 [view]
11/21/2007 What are sub-prime loans? 1,411 [view]
11/20/2007 What is a mortgage pre-payment penalty? 8,482 [view]
11/20/2007 What are the current mortgage rates? 1,608 [view]
11/20/2007 Should I lock my mortgage rate and how does a lock work? 97,594 [view]
11/20/2007 What is the difference between a conventional and jumbo mortgage? 1,948 [view]
11/20/2007 What is in my credit report? 770 [view]
11/20/2007 What is the difference between a good credit report and a bad one? 1,351 [view]
11/20/2007 What are credit scores? 945 [view]
11/15/2007 What are the advantages and disadvantages to bankruptcy vs. foreclosure? 7,837 [view]
11/15/2007 What is the conventional mortgage? Is a NINA loan considered a conventional mortgage? 5,461 [view]
11/15/2007 In all of the talk about the Mortgage Meltdown I keep hearing about the ratings agencies may be to blame. What do they have to do with all of this? 920 [view]
11/14/2007 My adjustable rate mortgage is about to reset to a higher rate, what should I do? 8,322 [view]
11/14/2007 What does it mean when someone says commercial paper in relation to mortgages? 9,411 [view]
11/14/2007 What is a teaser rate mortgage? 20,725 [view]
11/14/2007 Is it possible to borrow more than the value of the home for upgrades? Say you want to borrow 10k more to upgrade the kitchen, are lenders able to do this? 1,952 [view]
11/14/2007 Does the mortgage company HAVE to 1099 us on our short sale? Is it a law? What is the difference in a 1099 and a 1099A? 3,075 [view]
11/13/2007 What is a net branch license? 2,297 [view]
10/12/2007 When is the deferred interest on a negam loan deductible for federal income tax purposes? 2,611 [view]
10/12/2007 What is a principle balance on my mortgage? 3,840 [view]
10/12/2007 We want to refinance our home but the closing fees are so high. Is it possible to find someone to just buy our current note? 1,766 [view]
10/12/2007 How do you get out of an upside down loan with out short sale? 2,186 [view]
10/12/2007 What is impounding a loan? 3,511 [view]
10/12/2007 Can you defer a mortgage payment? 9,493 [view]
10/12/2007 What is a yield spread premium? 8,578 [view]
10/03/2007 I have had 3 mortgages in one state, I have currently moved to another state in which I have never had a mortgage. Am I considered to be a first time buyer? 2,537 [view]
10/03/2007 We closed on our home on August 3. At closing we received a Note, First Payment Letter and First Payment Coupons showing the first payment as October 1st. Our loan was purchased by a secondary lender on September 5th. We received a notice that the firstpayment was September 1. The lender is stating that a HUD-1shows the correct date, but there is not a date on that.Can the lender move up our first payment date a whole month when all of the documentation from closing states October 1st? 3,157 [view]
10/03/2007 What is the difference between fixed-rate mortgages and subprime loans ? 1,647 [view]
07/05/2007 What exactly is an option arm? 6,334 [view]
07/02/2007 Short Sale FAQ's 119,752 [view]
07/02/2007 What is a short sale and how do they work? 288,268 [view]
06/19/2007 What is the all time low mortgage interest rate on loans such as a 30 year fixed, 15 year fixed? 6,155 [view]
06/19/2007 Can a mortgage company select your homeowners insurance company without you signing a document with the insurance company? 2,779 [view]
06/19/2007 For first time home buyers, which option is better: Paying off all or most of your debt and having less than 20% down payment, or having 20% down paying and having higher debt? 1,997 [view]
06/19/2007 We made the mistake of cosigning on our daughter's loan. Her husband got laid off, the payments fell behind, they kept out of foreclosure, but we want off the loan NOW. Is this even possible? 3,600 [view]
06/19/2007 What is the difference between a HELOC and a HELOAN? 6,910 [view]
06/19/2007 Is a borrower required to pay for a title search, if they did not request it and if mortgagor ordered one before a commitment? 1,424 [view]
06/19/2007 How does a person sign an unpaid mortgage over to another person without having to refinance the home? 11,161 [view]
06/19/2007 If I want to form an LLC to buy rental property 50-50 with a friend, how do I get the best mortgage loan possible for the LLC? 17,116 [view]
06/08/2007 What are mortgage acceleration products? 29,212 [view]
05/31/2007 If I am the sole proprietor of a small business and apply for a home loan, what does the lender use as verification of my income? The Schedule C? If so, what figure? 5,048 [view]
05/31/2007 If we have equity line of credit is it better to payoff 2 car payments instead of paying 3 different interest rates? Thanks 1,488 [view]
05/31/2007 Where and how does a person search out and apply for private mortgage financing? Any suggestions on what to look for? 12,511 [view]