Mortgage Articles and Advice

   Debt-to-income Ratios

   Your Monthly Income - the way Lenders Figure it

   Your Maximum Monthly Mortgage Payment

   The Rest is Easy - Sort of

   Analyzing Your Savings - the First Step

   Mortgage Program Choices

   Shopping for Interest Rates

   Writing Your Offer

   Conclusion - Look at Your Savings First

   You can't just "come up" with the money

   Checking, Savings, & Money Market Accounts

   Stocks, Bonds, Mutual Funds, etc.

   Gifts from Family Member

   401K or Retirement Accounts

   Selling Personal Property

   Help from Employers

   Savings Bonds

   Borrowing to Come up with a Down Payment

   The Olden Days

   How it works now

   Mortgage Backed Securities