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What Factors Affect Mortgage Payments?

by www.cardinalsettlementsmd.com | Jan 13, 2014 | Mortgages:

Well, as this story shows, the amount of the down payment the size of the mortgage loan, the interest rate the length of the repayment term and payment schedule will all affect the size of your mortgage payment. In bullets: down payment loan size interest rate –...

What Are The Advantages Of 15- And 30-Year Fixed-Rate Mortgages?

by www.cardinalsettlementsmd.com | Jan 13, 2014 | Mortgages:

For both, as we show you in this video, compared with other options,  with fixed rates, housing costs won’t be affected by interest rate changes and inflation. With A 30-Year Term: In the first 23 years of the loan more interest is paid off than principal...

What Is Loan To Value (LTV) And How Does It Affect The Size Of My Loan?

by www.cardinalsettlementsmd.com | Jan 13, 2014 | Mortgages:

While this video simplifies things to help you remember, the loan to value ratio is the amount of money you borrow compared with the price or appraised value of the home you are purchasing. Each loan has a specific LTV limit. For example: With a 75% LTV loan on a home...

How Does The Interest Rate Factor In Securing A Mortgage Loan?

by www.cardinalsettlementsmd.com | Jan 13, 2014 | Mortgages:

As you’ll see in the video, a lower interest rate allows you to borrow more money than a high rate with the some monthly payment. Interest rates can fluctuate as you shop for a loan so ask lenders if they offer a rate “lock-in” which guarantees a...

What Is Included In A Monthly Mortgage Payment?

by www.cardinalsettlementsmd.com | Jan 13, 2014 | Mortgages:

The monthly mortgage payment mainly pays off principal and interest. But most lenders also include local real estate taxes homeowner’s insurance, and mortgage insurance, if applicable. If you are refinancing compare what is and isn’t included in your...
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