Welcome to Delmarva Home Relief's Blog

We publish blog articles that gives the nation and the world helpful resources, tips, how to's, trends, and best practices related to housing, foreclosure, real estate, short sales, loan modifications, mortgages, formulas, and so much more.

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New Report Shows Homeowners How to Drop PMI Early

Michael Nolen, Founder, CEO October 18, 2016 at 10:53 AM

A new personalized report is now available to homeowners with conventional loans who want to remove private mortgage insurance, or PMI, from their monthly mortgage payment. The PMI Terminator™, a personalized eight page report, is a detailed analysis describing up to eight possible scenarios when borrowers can cancel their PMI early without refinancing and without waiting for the loan balance to reach a pre-determined percentage of the home’s original value.

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Tagged Mortgages, Mortgage Lending, Mortgage Auditing, Mortgage Insurance

Hundreds of Mortgage Relief and Debt Relief Operations Banned by FTC

Michael Nolen, Founder, CEO May 26, 2016 at 2:54 PM

On May 25, 2016, attorney's for the FTC's Division of Financial Protection published an announced of the FTC's list of hundreds of companies and people that they put a sequel on their misleading operations.

In this post, we'll share insight about the Federal Trade Commission's publication and some tips for shopping for a mortgage relief or debt relief company.

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Tagged Short Sale, Loan Modification, Deed in Lieu of Foreclosure, Mortgages, Foreclosure, Credit Reporting, Federal Trade Commission

5 Mortgages for Buying Ocean Pines Real Estate You Should Know!

Michael Nolen, Founder, CEO May 24, 2016 at 1:00 PM

Did you know it’s simple to find out if you qualify? Put your assumptions aside and call a local mortgage lender. It may be more affordable to buy Ocean Pines, MD real estate than you think!

In this article, I share five different mortgage loans that could help you buy a home in the Ocean Pines, MD area.

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Tagged Mortgages, Buying a Home, Ocean City MD Real Estate, Ocean Pines MD Real Estate

6 Awesome Real Estate Blogs You Should Be Reading

Michael Nolen, Founder, CEO May 18, 2016 at 9:00 AM

Whether you’re a homeowner, future homeowner, or a professional, it’s a necessity to stay up to date with all the new ideas and trends happening. There are millions of blogs online – And it’s humanly impossible to attempt to read them all.

Most of us know the impact the US housing market faced after the bubble burst in 2008. A big problem was the lack of information available to us without going to a salesperson.

In this post, we’re going to highlight six awesome blogs that focus on one thing: real estate. We’ve found some excellent blogs that we wanted to share in hopes that you find educational content when you’re buying a home, selling a home, or looking for some new ideas you didn’t know exist.

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Tagged Mortgages, Buying a Home, Ocean City MD Real Estate, Salisbury MD Real Estate, Ocean Pines MD Real Estate, Buying a Condo

4 Signs of the Next US Housing Crisis (and Is It Possible?)

Michael Nolen, Founder, CEO May 6, 2016 at 1:00 PM

Many believe the effects from collapse of the US housing market is beginning to stabilize. There are plenty of signs and data showing improvement, but are some signs pointing another direction?

Back in 2005-2007, prior to the financial crisis and the great recession, it seemed mortgage loans were almost as easy to get as candy. Millions of Americans bought into the American dream of homeownership. Hey, if the lender approves you for a loan, you must be able to afford it! Right?

In my opinion, I think there are some concerning factors we need to begin to questions!

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Tagged Mortgages, Housing, U.S Housing Bubble

Fannie Mae to Securitize Past Non Performing Loans

Michael Nolen, Founder, CEO April 26, 2016 at 9:28 PM

Just 11 days after the Federal Housing Finance Agency announcement of the New Principal Reduction Loan Modification Program for eligible Freddie Mac and Fannie Mae mortgages, Fannie Mae announced another plan.

Now, Fannie Mae plans to begin securitizing reperforming loans, which will give them options, and may reduce the size of their mortgage portfolio. Borrowers that became current on their monthly mortgage payments with or without a mortgage loan modification program, have stabilized Fannie Mae's investment, and in return may be sold to new investors.

Securitization of Fannie Mae's reperforming mortgage loans is expected to begin in the second half of 2016.

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Tagged Loan Modification, Mortgages, Fannie Mae, Federal Housing Finance Agency

7 Expert Tips for Refinancing a Mortgage Loan

Mike Wise, Capstone Direct Mortgage Financing April 15, 2016 at 9:00 AM

Maybe you want to lower your payments, or perhaps for a shorter the mortgage term. Homeowners who want to pay less on their mortgage each month may be able to do so.

There are a number of tips available to help you reduce your mortgage payment and gain financial flexibility. Refinancing a mortgage loan is one. But before you jump into the game, there are some steps you’ll want to take before contacting a mortgage lender.

In this post, guest Delmarva Home Relief blog contibutor Mike Wise, Founder and CEO of Capstone Direct Mortgage Financing, shares some tips to prepare our readers for their journey to refinancing a mortgage loan.

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Tagged Mortgages, Credit Reporting

How Much Mortgage Can I Afford with a Condo Association?

Michael Nolen, Founder, CEO April 6, 2016 at 1:00 PM

If you’re buying a condo with a mortgage loan, you’ll need to ask your loan officer, “How much mortgage can I afford”? You’ll also need to make sure it fit’s into your monthly household budget after considering all of your necessary expenses like utilities, groceries, car expenses, travel, and so on…

When you buy a condo, you'll need to factor in your condo association fees and the extra expenses with condo ownership.

In this post, I’ll breakdown the basics of what you’ll need to look for when buying a condo with an HOA and share some resources and best practices to help you determine how much mortgage you can afford.

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Tagged Mortgages, Ocean City MD Real Estate, Cost of Ownership, Buying a Condo, How Much Mortgage Can I Afford?

Top 5 Readers Blog Picks for March 2016

Michael Nolen, Founder, CEO April 4, 2016 at 1:00 PM

Delmarva Home Relief's Blog is all about educating our readers and the world about topics related to housing and finance. In March, we published over 30 new topics. From helpful first time home buyer tips to comparing the differences between government and lender specific in house loan modification programs, our readers choose these 5 blog articles as the most interesting and helpful.

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Tagged Loan Modification, Real Estate, Mortgages, Buying a Home, Buying a Condo, Renting Vs Buying a Home, What Is My Home Worth?, Credit Reporting

How Your Credit History Impacts a FICO Credit Score?

Michael Nolen, Founder, CEO March 23, 2016 at 9:00 AM

Your FICO score is greatly impacted by your credit payment history. In Fact, MyFICO.com says, it makes up 35% of your credit score. That's huge!

If you want to be better prepared for buying a home and getting a mortgage, you'll want to make sure your payment history isn't impacting your credit in a negative way.

In this post, I'll share some helpful tips and best practices to help you understand how your credit payment history impacts your credit.

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Tagged Mortgages, FICO Credit Scores, Credit Reporting

5 Quick Tips for Buying a Condo with an FHA Mortgage

Lauren Peddinghaus, Co-Founder and CEO of CondoGrade.com March 22, 2016 at 9:00 AM

FHA loans can be a great program for first time home buyers. FHA loans, which are insured by the Federal Housing Administration, offer buyers loan options with low down payments, low closing costs and looser credit qualifications.

In this post, guest blogger Lauren Peddinghaus of CondoGrade.com shares 5 quick tips for buying a condo with an FHA insured mortgage.

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Tagged Mortgages, Ocean City MD Real Estate, FHA Mortgages, Buying a Condo

10 Things First-Time Home Buyers Need to Know About FHA Loans

Mike Wise, Capstone Direct Mortgage Financing March 16, 2016 at 8:30 AM

If you’re a potential first-time home buyer, then an FHA loan may be a viable option. There’s a lot to consider when investigating FHA loans, in California or elsewhere. If an FHA loan is the route you choose, read these ten helpful tips.

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Tagged Mortgages, Buying a Home, FHA Mortgages, First Time Home Buyers

 

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