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Refinance Laws

Home mortgages can be a major financial burden, especially if interest rates rise while the home’s value falls in a depressed real estate market. Refinancing your home can allow you to take advantage of special assistance programs or lock in a lower interest rate to reduce monthly payments. The federal government oversees refinancing procedures to protect both lenders and homeowners. read more

Buying Into a Homeowners Associations — the Pros and Cons


About 20 to 30 percent of homebuyers purchase properties within common-interest developments, commonly referred to as homeowners associations or HOAs. Before weighing the pros and cons of owning a property in an HOA community it’s important to understand what HOAs are, how they are governed and how they affect a homeowner’s bottom line. Here are some basic facts homebuyers should know. read more
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