Jeff Livingston

How to Deal with a Mortgage Lender

The majority of people don’t have the money to purchase a home outright. Fortunately, mortgages help you spread the cost of paying for a home anywhere between a 15-year and 30-year duration. There are plenty of alternatives when you are looking for a mort... Read >

Understanding the Role of a Mortgage Broker

A trained, accredited professional who acts as an intermediary between a mortgage lender and borrower is known as a mortgage broker. Mortgage brokers have extensive knowledge of the mortgage market and have many contacts among lenders. The broker represen... Read >

Things to Know about Home Equity Line of Credit

When you take a home equity line of credit (HELOC), your equity in the home is held as collateral for the credit. It is best to take a line of credit against your home for important reasons like paying for education, medical bills or even important home i... Read >

Understanding Terms Used by Mortgage Lenders

The key to negotiating the best mortgage deal lies in understanding the terms used by mortgage lenders. Unless you learn to speak their language, you will find the entire process of loan application quite perplexing. Here is a brief note on each of the te... Read >

HEL vs. HELOC - The Basics and What You Should Know

For many people facing a huge expense that cannot be avoided, using the equity in their home is a good way to raise funds. After all, your home is your biggest asset and you have made a substantial investment in it. What could be a better way to use the f... Read >

Some Common Types of Mortgage Loans

For a mortgage seeker, the market today offers a number of mortgage options. While some mortgage plans exclusively suit home purchases, other mortgage options help finance requirements like higher education and consolidation of numerous debts. You should ... Read >

What to Remember When You Take Out a Secured Line of Credit

A secured line of credit is taken against a tangible, saleable asset. If the borrower is an individual, the collateral can be his/her house and in the case of businesses, the security can be the accounts receivable, inventory or any other business propert... Read >

Costs Associated with Home Equity Line of Credit and How to Minimize Them

A home equity line of credit allows you to borrow money against your home and this way you will have access to a relatively large sum of money for a certain period of time. A HELOC is approved by primarily taking into account the present value of your hou... Read >

Finding a Secured Line of Credit with the Best Features

A secured line of credit is a good option for people who have sufficient equity built up in their homes but are cash strapped. When unavoidable expenses arise, you may find it difficult to raise funds to meet these needs quickly. Taking a loan from anothe... Read >

Secured vs. Unsecured Credit

A business will be in trouble if it does not have enough funds to sustain day-to-day operations. Access to a constant flow of cash is a necessity for all businesses, without which they cannot survive. To have a constant cash flow, most businesses turn to ... Read >

Why Use a Mortgage Company for your Loan

There are many mortgage companies function as intermediaries between lenders and borrowers. There are almost as many such companies as there are lenders. Signing up with a mortgage company makes the task of getting your perfect home loan easier and faster... Read >

How to Succeed in Mortgage Broking

The mortgage broking industry is flooded with newcomers every month, all hoping to make it big. A good many of them, however, do not realize their hopes and quit the business within a few months of joining. What do they do wrong? Why is it that a few sma... Read >

Why Use Mortgage Brokers

Buying a home is a complex, effort-intensive and time-consuming task. It involves a lot of research and planning. And once you have zeroed in on a home, you have to research some more to find the right mortgage to fund the purchase. Just as you take the h... Read >

Secured vs. Unsecured Line of Credit

Availability of cash is the life line of any business. In its absence, your business can suffer serious problems from which it may not be able to recover. To avoid such a situation, you can avail a line of credit that offers you substantial back up whenev... Read >

What You Should Know About Secured Line of Credit

A secured line of credit uses your homes or business assets as collateral, so both individuals and businesses stand to benefit from it. They are the ideal option for businesses to leverage there assets for cash inflow. Homeowners can also take out secured... Read >