Mortgages

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Can You Claim Rental Mortgage Interest as an Itemized Deduction?

ngle-family homes and small apartments or office buildings are popular investment vehicles for small investors. Many people consider owning rental houses not much different than owning their own home. Like owning a home, mortgage payments that finance the purchase of a rental ...

Are Home Appraisals a Tax Write-Off?

me appraisals, for owner-occupied home purchases or refinancing purposes, are not a tax write-off. If the home appraisal is completed for a charitable donation of a house, it becomes tax deductible as part of the value of the property donated. If you've had a serious casualty ...

How to Look for Public Mortgage Records

ter a mortgage loan closes, certain documents are filed for public record. These include the security instrument and the land deed. The security instrument is either a mortgage or a deed of trust, depending on which state you live it. A mortgage document includes information ...

How Many Names Can Be on a Mortgage?

mortgage document is a legal contract under which the borrowers agree to pay the lender an agreed-upon sum of money, plus interest, for the purpose of financing a home. The title to the home, on the other hand, shows ownership of the property. It is important to not conflate the ...

How to Get a Refund of Mortgage Insurance Premiums

rtgage insurance is designed to protect the financial interests of lenders and mortgage investors in the event that you default on your loan. Typically, you pay for the insurance with an upfront premium and monthly charges that form part of your mortgage payment. In some ...

What Is a Shortage in My Mortgage?

en you obtain a mortgage, you sign documents that list your monthly principal and interest payments. However, if your lender pays your property taxes and homeowner's insurance, you will pay additional money each month into an escrow account. When the term "shortage" is ...

How to Use a 401(k) as a Reserve for a Mortgage

en you secure a mortgage for a personal residence or investment property, your lender will require a large amount of personal information, including your credit report and history, your employment information and the value of your assets – specifically your liquid assets. ...

How to Use Land as Collateral for a Secured Loan

od collateral can make or break your loan request. Developed real estate is a highly desirable form of collateral. Vacant land, on the other hand, is a riskier proposition. To use the land as collateral, you have to convince the lender that the undeveloped acreage is worth ...

Can I Pay Home Insurance Directly and Not With Escrow?

you're considering a new mortgage or shopping around for insurance, you might wonder whether you can pay your homeowner's insurance premiums directly without using a mortgage escrow account. The answer often depends upon your situation, but even when you can pay your own ...

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