How To Get Your Mortgage Approved

By obtaining prior approval from your bank, you have a powerful chance to find the home of your dreams. Read the following tips for getting a pre-authorized mortgage and take the right More »

Mortgage in Real Estate Investment

Investment mortgage, as it is generally called, is the mortgage that is invested in real estate property – either residential or commercial. You can find mortgage lenders, who are ready to provide More »

Commercial Mortgage Financing

If you have ever wanted to know what the different types of Commercial Mortgage Financing are available…there are many. Each type refers to different types of properties and verification methods. Not all Commercial Lenders More »

Investment Property Loan Types

An investment property mortgage is a loan for non-owner occupied property. There are two main classifications of investment property mortgages. These classifications include: commercial and residential. A commercial property mortgage is for More »

Investments – Mortgage

Perhaps interest rates have increased since purchasing your house. In that case, you will not be able to save anything on this item. However, another home mortgage matter whether to pay off More »

Investments – Mortgage

Perhaps interest rates have increased since purchasing your house. In that case, you will not be able to save anything on this item.

However, another home mortgage matter whether to pay off your mortgage early or not. The main thing to consider if you are thinking about doing this is whether you need that interest payment which is a major tax deduction in order to keep from paying higher income taxes. That is, for most average families, that home mortgage interest deduction is your major deduction unless you have business deductions. If this is the case, you might want to pay your mortgage off early but not too early. For the usual 30 year mortgage, rather than concentrate on paying it off in the next 5 or 10 years which would put a very heavy burden on you financially, you might want to concentrate on paying it off in 20 years instead of 30 years. If you can pay just a small additional amount each month, you can end up taking a year or more off of the length of your mortgage.

One reason for deciding to pay

Real Estate Investing

I just went to a continuing education class in South Carolina and the topic was Mortgage Fraud. Having taught mortgage fraud I thought that it was going to be pretty much the same old thing.

Sure a lot of what they taught I already knew but I not only learned a few new things but it was also good to be reminded of a lot of things that you can forget about. I have talked to a lot of people that when they start explaining the transaction it is very evident that it is not legal.

The sad part is that they are usually fairly new investors that are relying on an experienced investor or seller to handle all of the details and they assure the newbie that the transaction is “totally legal”. Here are some basics that you can keep in mind when making investments even if you are just starting out to avoid questionable people and transactions.

1: Avoid deals that sound “Too Good To Be True”. If a seller (especially another investor) promises to sell you a property, manage it for free, handle all of

Property Investment Mortgages

Do you like the idea of buying a not-so good property, making it attractive and then re-selling it? You’ll gain a profit from there, won’t you? Or, are you an expert real estate investor who has spent so many years on earning bucks by rental property? Either you’re the person on the first description or on the latter one, there’s something that you really need to know when you’re going to invest in a property. You will need to know facts about investment property mortgages.

People who are in the real estate world are not the only ones who know that we are currently in a housing market bust. Rising foreclosures, decreasing sales, increasing of unemployment, skyrocketing of fuel and living expenses, are just some of the huge issues that an investor needs to face. Actually, it’s not just investors who do but all of us. These economic factors contribute on the investment property mortgages.

Before, it’s just a usual thing when a bank is pleasing a real estate investor to utilize their services. It’s also a usual one to know one-hundred percent property mortgages. You might be

How To Get Your Mortgage Approved

By obtaining prior approval from your bank, you have a powerful chance to find the home of your dreams. Read the following tips for getting a pre-authorized mortgage and take the right path to buy your home!

Mortgage Approval

6 steps to get a mortgage approval from your bank

  • Check your credit rating

In a few minutes, your lender or you can establish your credit report and ask for your rating. By knowing these values, you can easily locate yourself in the real estate market and make the best decision between buying a house or apartment. Private reserve the lowest interest rates for people with the best credit ratings.

  • Provide proof of income

One of the first things a mortgage lender will ask of you is proof of income. Your T4 statements in recent years are an important guide for your lender by allowing you to accurately assess what you earn and how much you can afford.

  • Prove your assets

In addition to your proof of income, the mortgage lender will also want to view your bank statements. They will provide him with conclusive information

Mortgage in Real Estate Investment

Investment mortgage, as it is generally called, is the mortgage that is invested in real estate property – either residential or commercial. You can find mortgage lenders, who are ready to provide real estate investors with money. Though applicable for both residential and commercial properties, mortgage lenders see residential property as ‘safer’. The collateral here is the home. The secure feeling by mortgage financiers can be the feeling that no one is likely to make default on payments on a loan, taken with their dwelling place as collateral.

Investing in real estate is always a good option. You can either make an initial investment on a home, that you would rent out for a few years and sell the property, once the value of the property makes considerable appreciation. If you prefer not to sell, you can also used the appreciated value to take additional mortgage loan, which you will invest in yet another property. This is the usual strategy. The key here is to find a mortgage that requires you to pay little to no prepayment fine. You close the loan when there is considerable capital appreciation and sells it off after taking your profit.

Commercial Mortgage Financing

If you have ever wanted to know what the different types of Commercial Mortgage Financing are available…there are many. Each type refers to different types of properties and verification methods. Not all Commercial Lenders offer all types of Business Investment Services so be aware and get a good Commercial Finance Broker and they will be able to set you up with the appropriate Commercial Property Financing that fits your needs,

Apartments – These can be solid investment opportunities. Apartments are generally a great form of security for a Apartment Loan Company. So long as the property is managed well, apartment buildings will serve as a long term positive cash flow as well as generate equity as time passes

Health Care Facilities – A Commercial Mortgage can also be used to finance health care facilities. Commercial Investment Services like this type of investment for two strong reasons.  First, you are investing in a conventional business that is experiencing an incline in popularity as well customer base. Secondly, as with most real estate,  an investment in land and facilities will appreciate over time, regardless of temporary market fluctuations, which will create equity for you. Purchasing of building this type of property

Investment Property Loan Types

An investment property mortgage is a loan for non-owner occupied property. There are two main classifications of investment property mortgages. These classifications include: commercial and residential. A commercial property mortgage is for a dwelling that contains 5 or more units and/or is zoned as commercial. A residential investment mortgage is for a dwelling that is one to four units and is zoned residential. Commercial and residential mortgages are two completely different loan types and have significantly different qualification standards. The following is a basic description of each mortgage type.

Residential Property Investment Loans

Residential property investment mortgages have similar qualification guidelines as standard owner-occupied mortgages. Although, they do have higher down payment and credit score requirements. Below is a summary of the general guidelines for residential investment mortgages.

• Credit Score Requirement – The minimum credit score requirement is typically 680 or above for investment mortgages.

• Debt to Income Ratio – Typically, the debt ratio limit for an investment mortgage is 40% of the borrower’s verifiable income. Besides W2 income, the borrower’s last 2 years tax returns will be needed to calculate the income that can be used from other rental properties or

Smart Investment

When it comes to making a smart investment in real estate, there’s really only two ways to go: mortgage foreclosures, or tax foreclosures. Everything profitable is some offshoot of one of those two things. Certain aspects of both are profitable, but hands-down, the smart investment is in tax foreclosures, one of two ways. Which way you go depends on whether or not you’re interested in owning property – and we’re not talking liens or deeds here.

First, if you want to own property, you’re not going to have much luck at the tax sale. There’s too much competition, and too much risk associated with buying property you can’t inspect first. Would you ever buy a home to live in you couldn’t inspect? Obviously, if you want to make a smart investment, you’re going to have to know what you’re getting into – and it doesn’t hurt if there’s little to no competition for it.

It’s simple: wait until after the tax sale, and then buy directly from the owners during the redemption period (where they can still get their property out of foreclosure). Most investors don’t realize that this is legal – in most places

Cost of Low Deposit Investment Mortgages

Interest rates on home loans in the UK have been steadily dropping since 2012 assisted by competition between lenders and government schemes such as Funding for Lending and Help To Buy. Rates on residential loans are sitting at historic low levels as the UK economy begins to display signs of recovery and a boost in confidence.

The government program’s were implemented in order to encourage banks to lend to households and small businesses at more affordable rates and with less stringent lending criteria. However, these schemes are also having the positive effect of increasing the supply of highly competitive ‘buy to let’ mortgages. It appears that many lending institutions are much keener to offer landlords good interest rates for higher loan to value mortgages meaning that landlords can borrow with a smaller deposit than has been the case since the start of the recession in 2008. This has resulted in an increased supply of buy to let mortgage deals available with smaller deposits.

So just how are landlords benefiting from improved buy to let home loans secured with a smaller deposit?

Many of the major lenders and also smaller building societies and private banks are

Investment Mortgages Property

When it comes to your investment strategy there is nothing more important than protecting your assets you have worked so hard to acquire and build up.

Insurance is a vital part of your asset protection however for many it is neglected and has terrible consequences.

Insurance is a real financial pain as it is not cheap when you may be starting out with your first investment property. It’s hard to justify the cost when there is a very low chance you will ever need to claim. Depending on your local taxation regulations (speak with your qualified tax professional) it may be tax deductible though which helps.

There are two types of insurance that would apply to an investment property.

– Building and Landlords.
– Personal Insurance (Life, Trauma, TPD, Income).

Building and Landlords Insurance

Building insurance covers total building loss/replacement as to agreed policy amount. This is usually required for any mortgage that a bank holds over your property. They would want to see the valid certificate of insurance before settlement.

Landlords insurance on your investment property is optional however highly recommended. It covers two main things – loss of income

Real Estate Investing Mortgage Brokers

As a real estate investor it only makes sense that you understand what a mortgage broker can do for you. A mortgage consultant, agent or specialist are all basically the same thing. Unless you are buying all cash or you are making a deal with the seller for 100% financing the mortgage process will probably come up.

A mortgage broker usually owns the company or franchise while the above work under the mortgage brokers license. Mortgage agents have access to the same mortgage products as his/her broker.

When you go to a traditional bank you are limited by the mortgage products that the bank offers. If you do not meet the lending criteria of that particular bank you will have to look elsewhere. What most investors do not realize is that every time they go to a different bank, a credit check happens. The result is that each time a credit check happens your FICO or Beacon score goes lower. This may affect the rate you could get or stop you from being able to get qualified for a mortgage at all.

A mortgage agent checks your FICO or Beacon score one time and can

Investment Mortgage Strategy

The “Dream” of Trump like investing. Your goals and plans require action! Perhaps the easiest way to implement your action could be in the area of “small” rental residential investing.

The mortgage will be the single biggest expense that you will incur. It’s critical to have the Best Mortgage Strategy evolving, to help minimize your expense and maximize your cash flow.

In this chapter, we are going to arm you with information that will help you both understand and also seek more professional guidance in this crucial step. I trust that you have begun to surround yourself with your professional “team” of trusted advisors, including a qualified mortgage broker or banker who has years of real estate investing experience themselves. It’s obvious, that aligning yourself with a team that has this investing experience is important in that they will better understand your needs and help you develop some of the strategies necessary for your success.


I often get asked, “Should I invest in residential or commercial real estate?” This often depends on one’s level of experience and sources of investment capital available. The quickest start in the real estate

Tips For Commercial Property Investment

Commercial property investment is different from the residential one. Today, there are plenty of commercial investment mortgage options available. They help you in buying commercial properties. At a smaller level, it might be a warehouse or office space. At a bigger level, it might be a mall or a multiplex.

Commercial property investment is generally made to rent out for business reasons. Prior to buying a property you must ascertain the quality of users you are looking for. It might have to do with area credit history record, needs of the borrower and his payment capabilities.

People might have a single investment in mind. They might also be looking for a portfolio of sorts. In both cases, loans are easily accessible. If you show your worth and neat intentions, you will be able to get Government Grants as well. Such grants are not easy to procure. You have to wade through a lot of red-tape. But if you present your profile well and the grant is being administered then you can even fetch millions from government. It is important to note that government is entitled to hold different audits and periodic assessments for finding out the

No Money Down Investment Mortgages

In any meeting of real estate investors the topic of no money down investment mortgages almost always comes up. I’m a firm believer in putting as little cash as possible into my real estate deals, and if you’re going to succeed in the long term, you should learn to think the same way.

This is really just Real Estate Investing 101… as simple and basic as you can get, yet vital for you to understand. No money down investment mortgages are a topic you should seek to understand and here’s why.

Your supply of cash is limited, and always will be.

There it is. I don’t care how much cash you have now, or ever will have. I don’t care who you are, or where your bank account stands. You’re cash supply is finite, not infinite, and cash is a valuable resource that gives your real estate investing flexibility and leverage. Using no money down investment mortgages allows you to preserve cash, one of your most valuable resources.

Having ready cash allows you the flexibility of moving quickly when others can’t. It also gives you confidence and leverage when making your offers. That doesn’t

Getting a Property Investment Mortgage

It is difficult, if not impossible, for the vast majority of people to purchase a piece of real estate immediately out of pocket. A loan, provided by a bank or credit union, is the most common solution. Those who may be seeking to take advantage of the current housing price drop to invest in real estate, however, need to be aware that obtaining a loan for an investment property is different from obtaining one for personal use.

The economic crisis has caused previously free flowing credit lines to dry up and loan interest rates to rise. Banks and creditors are more thorough now than they have been in years as to who is approved for a loan and for what purpose. If that weren’t difficult enough, a property investment mortgage typically requires a cleaner credit history and a considerably larger down payment than a mortgage for a personal property. To those with a good record history, however, and who are sensible and diligent in doing their homework when finding out what property to obtain and what institution to solicit a loan from should have little difficulty securing it.

Even in the midst of economic instability partially

Investment Mortgage Loan

A Mortgage to Match Your Investment

Mortgage money to work for you? Why not? You have heard finance experts talking about making your money work for you. If you think it is all about insurance, you are dead wrong. With the real estate boom on foreclosed properties, you can have your chance now, even if this is your first time to be an investor.

Investment mortgage loans works like your traditional mortgage, only this time, you are going into business. You can get a fixed rate mortgage or an adjustable rate mortgage, whatever suits your finances. Or you may try your luck with one of those non-traditional mortgage schemes that allow more people with poor credit rating or the self employed to own properties.

How it Works

To protect their investments, lenders require borrowers to provide site map of the property on sale and a report on the financial books of the property if you are buying a hotel or a restaurant. If what they see looks promising, your investment mortgage loan is approved fast.

Initially lenders will require a 25% down payment. You also have to pay for an application fee, closing

Portfolio With Investment Mortgages

More people are using investment mortgages for creating property portfolio to generate an income that can complement, or supplant, their retirement. Truly, it’s not easy to create a property portfolio. However, there are many ways to get it done and investment mortgages are usually a good start.

Investment mortgages are also provided by companies in development finance UK which can be a good choice for new property investors. As a beginner, lenders do not have basis to provide you 100% development finance to support you application for residential or commercial development finance. Although investment mortgages can be used as an additional security for 100% development finance, your capability as a novice investor or developer can still be questioned. When you want to start to build property portfolio, you have to start small.

Investment mortgages in development finance UK can be used to buy a property that requires renovation; which often provides a good opportunity to get favorable return on investment. Investment mortgages can also come in handy when buying a property ‘off-plan’ as this will be available at a lower price and represent a good opportunity for profit. With the opportunities coming up in promising returns,

How To Get An Investment Mortgage

Getting Your Investment Mortgage

Getting an investment loan to buy a property is not a very difficult thing in the consumer friendly environment we live in if you do some research and find a well qualified mortgage broker. In fact, even in Australia it was the overdrive of the banking and financial institutions in giving away loans to even sub-prime customers that led to the recent global recession having an effect on today’s lending policies. Though, banks are considerably cautious in giving out loans today, with a few simple measures, it is still relatively easy to buy a property of your own by applying and getting an investment loan.

Steps To Get Mortgage:

1. Identify the amount of personal financing (deposit) you are ready to contribute when you buy a property. Banks today asking between ten to twenty percent deposit to be paid by the customer, and they would only fund the balance. Therefore, the higher the deposit is you are able to provide, the greater the possibility of getting a loan would be.

2. Always have more than one property to choose from, when you approach a bank. Every bank has its own

Utilizing Investment Mortgages

Funding options like 100% development finance, bridging loans and investment mortgages are usually provided by companies in development finance UK. Each has its characteristics and appropriation in various property projects. If you want to enter the property industry, you can start out with investment mortgages. Commercial development finance can be too risky and costly for you. Likewise, 100% development finance is only for developers and investors who are capable of handling the stiff requirement.

By investment mortgages, novice developers have the potential to build property portfolio. But building up property portfolio by investment mortgages is not the only guarantee to a successful property investment career. Most importantly, it is also about knowing how to use it wisely. It’s a fact that property investments have its ups and downs; pros and cons, risks and rewards, all in one setting. And it is true whether the investment comes from residential development finance or commercial development finance or investment mortgages. There are times that your investment looks like it’s moving up, but there are also times as if your whole nest is slipping out of your hands. But still, the hard truth is, there is profit in property.


Investment Mortgage

The first step when looking for a way to fund your investment properties is to consider how you are going to buy, PLUS, deciding on your exit strategy.

“Do you plan to ‘fix and flip’, rent the property out, or sell the home to another investor? Small differences in your loan could cost or save you thousands, depending on which type of loan package you end up going with.

Which investment mortgage is best for you?

It all depends upon your personal financial position, how soon you plan on paying off the loan, either by refinancing, selling or cashing out, and if you have a variable rate loan, it depends upon what happens to interest rates over the period that you have your mortgage in place.

Your options for an investment mortgage will also be limited by your income, the down payment you make and your creditworthiness. If you have lost a property to foreclosure, or have less than good credit, in this market you may need to consider using creative financing rather than getting a traditional mortgage.

A good mortgage broker or lender will help you compare and contrast the various mortgage