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Mortgage Loan Basics

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Mortgage Loan Basics
Buying a house? If you’re getting ready to purchase a home, whether it be your first or your fifth, you may be considering taking out a mortgage loan. Before you jump into something, you may want to take a look at what our expert has to say about mortgage loan basics. Learn how a mortgage loan works, how to find a loan with a better interest rate, how your credit can effect your loan, and more. This is a great source for first time buyers!

Questions Answered by our Experts

Ron Goodlin
Ron Goodlin-Mortgage Banker and Broker, The Goodlin Group
Meet the Expert 
Mortgage Loan Basics 
  1. Ron Goodlin
  2. What is a "mortgage loan"? 
  3. What is an "interest only" mortgage loan? 
  4. What is a "fixed rate" mortgage loan? 
  5. Do I pay a higher rate in exchange for the security of a fixed rate mortgage loan? 
  6. What is the difference between a conforming and non-conforming loan? 
  7. What are the pros and cons of 15 year mortgage loans? 
  8. What are the pros and cons of 30 year mortgage loans? 
  9. What is an Adjustable Rate Mortgage ARM? 
  10. What determines how my mortgage loan interest rate goes up or down? 
Mortgage Basics 
  1. Ron Goodlin
  2. What are the advantages of using a mortgage professional who is a broker and a banker? 
  3. What is the difference between a mortgage banker and a mortgage broker? 
  4. What are the benefits of using a mortgage broker? 
  5. How does my broker get paid? 
  6. How do I find a qualified broker? 
  7. How do I check to see if a broker is licensed? 
  8. Do banks provide better mortgage rates directly to consumers or to brokers? 
  9. What is private mortgage insurance PMI and do I need it? 
  10. What is a "second mortgage"? 
  11. Does the bank require mortgage insurance? 

Popular Questions

  • What is an "interest only" mortgage loan?
  • Do I pay a higher rate in exchange for the security of a fixed rate mortgage loan?
  • What determines how my mortgage loan interest rate goes up or down?
  • What are the benefits of using a mortgage broker?
  • How do I find a qualified broker?
  • How will previous bankruptcy effect my application for a mortgage loan?
  • If we are applying together and my spouse has a higher credit score than I do, will lenders still look at my score?
  • What is the best way to compare loan terms between lenders?
  • What mistakes can I avoid when choosing a mortgage loan?
  • Are there special mortgages for first time homebuyers?
  • What are junk fees and how can I avoid them?
Your Credit And Mortgage Loan 
  1. Ron Goodlin
  2. What is the difference between "pre-qualifying" and "pre-approval"? 
  3. Why is it important to pre-qualify for a loan? 
  4. How do I pre-qualify for a loan? 
  5. What is a credit report? 
  6. What is a credit score? 
  7. How will my credit score impact my mortgage loan? 
  8. How will previous bankruptcy effect my application for a mortgage loan? 
  9. If we are applying together and my spouse has a higher credit score than I do, will lenders still look at my score? 
  10. How can I find out what my credit score is? 
  11. How can I improve my credit and FICO score? 
Mortgage Loans For First Time Buyers 
  1. Ron Goodlin
  2. What is the best way to compare loan terms between lenders? 
  3. How long does the loan application process take? 
  4. What documents or information will I need to provide the bank during the loan application process? 
  5. What mistakes can I avoid when choosing a mortgage loan? 
  6. Are there special mortgages for first time homebuyers? 
  7. What fees are associated with the mortgage loan application process? 
  8. Are any of the fees associated with the mortgage loan application process negotiable? 
  9. What are junk fees and how can I avoid them? 
  10. What are points and do I have to pay them? 

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