Basic information on home mortgages. What is a mortgage? Legal mechanics of a mortgage are explained in easy to understand terms.

Some good advice on finding a lender. Established real estate professionals are always a good referral source since they work with the best lenders on regular basis.

There are clear advantages to getting pre-approved. Learn the important difference between getting pre-approved and pre-qualified.

Learn about the four "C's" that lenders use to determine if you are creditworthy. Its always good to know in advance.

Learn about the application process. Print out the Uniform Residential Loan Application (Form 1003) for your review.

Basic facts that you need to know about fixed rate mortgages. Makes it easier to determine what type of loan is best for you.

Basic facts that you need to know about adjustable rate mortgages. Overview includes the pros and cons.

Calculate and understand the financial differences between fixed rate and adjustable rate mortgages. Use your personal info for true comparison.

Calculate how much monthly mortgage payments might be with an adjustable rate mortgage. Plug in your personal info for a complete breakdown based on your specific numbers.

Calculate how much a monthly mortgage payment might be with a fixed rate mortgage. Input your info and get a complete breakdown based on your specific numbers.

Learn how a different term effects your mortgage payment and the overall costs of your loan. Great comparison based on your input using your specific loan information.

Find out how paying extra points might lower the monthly cost of your mortgage.

Understand how to possibly reduce mortgage insurance.

Great worksheet for comparing different lenders and loans. It has all the right questions to ask a lender before applying and it allows you to keep notes for use in your comparison.

Glossary of common words and terms associated with a mortgage. Excellent reference guide for real estate terms.

Excellent up to date information on the financial industry along with the latest banking and mortgage news.

Great site to check on local rates. Be very cautious when applying for a loan online, some of these folks will sell your contact info to other lenders and you will get lots of calls!

Good site for basic rate check and current mortgage info.

Very informative website. Al Hensling, President of UAMC is a trusted service provider and one my top recommendations for a lender in Orange County. Call me for a direct referral to Al Hensling @ UAMC.