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How some mortgages have gotten a bad rap

In a previous column, I noted that large losses on HECM reverse mortgages could be attributed to adverse selection. The program attracts too many borrowers in desperate financial condition and too few ... read more

Have Adjustable-Rate Mortgages Gotten a Bad Rap?

Some people are just ... subprime adjustable-rate mortgage," said Mark Zandi, chief economist at Moody's Analytics. "That was at top of mind just a few years ago, and so it's going to take a while bef... read more

Do Birthdays get a Bad Rap?

I was thinking about all of the reasons why my birthday no longer excites me and I think I may have given it a bum rap, and here’s why ... sometimes when we fall short of some of those goals, we get r... read more

Condo Scene: Having a mortgage till death do us part

Why do mortgages get such a bad rap ... they’ll have an amortization of 25 years, Ibrahim notes. To your death indeed. What strikes me as interesting is there are fundamental differences between house ... read more

Your choice: Fixed or adjustable-rate mortgage?

Adjustable-rate mortgages got a bad rap after the housing bust ... In the years since, banks have tightened their lending standards to ensure borrowers who get adjustable-rate loans, or ARMs, can affo... read more

Could a Reverse Mortgage Save Your Retirement?

While reverse mortgages have gotten a bad rap over the last decade ... A reverse mortgage is a way for homeowners to unlock some of the equity in their home without having to make monthly mortgage pay... read more

Mortgage Rates Are Set to Jump. Here's How to Lock In a Low Rate Now

First the good news: A decade after banks clamped down on the easy-money practices that led to the mortgage ... estate data company Attom Data Solutions. Adjustable-rate mortgages got a bad rap during ... read more

Faceoff: Do advisor commissions get a bad rap?

Although we offer fee for service, we don’t really get a lot of uptake on the idea. The ones who use it typically have larger portfolios, and we can save them some money by using ... scapegoat for a g... read more

3 Reasons an ARM Mortgage Is a Good Idea

Adjustable-rate mortgages (ARMs) get a bad rap. Some worry that they're super risky for the borrower ... By the end of the 5-year fixed period, the borrower will have made a much larger dent in their ... read more

More Planning Made Simple: How to Avoid Scrambling Your Retirement Nest Eggs

At some agreed time in the future ... on the insurance company’s selection of financial market investments. Annuities often get a bad rap… Annuities have their drawbacks. They don’t have the big retur... read more