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HSH Publications

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All rights reserved. Contact us regarding reproduction of this content.

Our free Weekly Market Trends newsletter

Whether you're mortgage shopping, or just want to know what the housing & financial markets are up to, you need the HSH Weekly Market Trends in your mailbox? to read the latest edition, then get it in your email every Friday. Stay informed!

Tutorials by HSH Associates

A Negative 'Option' Explained (with graphs)

Thoughts on Mortgage Risk, Housing Bubbles and Market Perceptions

The HSH Mortgage Glossary

A Growing Case For One-Year ARMs

Q & A: Piggyback Mortgages

The Principal Facts of Interest-only Mortgages (with accompanying graphs)

Ten Best Ways to Improve Your Mortgage Experience
   Tips for a better refinance or purchase transaction

ARMs: Hows, Whos and Whys
   What You Need to Know About Adjustable Rate Mortgages

Keeping an ARM Could Save You Money

What Moves Mortgage Rates?

The Scoring Game  "FICO" and Credit Scoring

(Free Content) Shared Appreciation Mortgages Re-Debut

(Free Content) What To Do When Mortgage Rates Are Rising

Prepaying Your Mortgage for Fun and Profit

Print this handy monthly payment table!

ARM Check Kit: How To Verify Your Interest Rate Adjustment
Finally, an easy way to verify your ARM's interest rate. Mistakes can and do happen; finding an error might save you money. This 12-page kit gives you complete directions on how to double-check your lender, a worksheet, and 2 years of those hard-to-find index values -- plus what to do if you find an error.

Handy Graphs

All publications on our website are Copyright © HSH® Associates.
All rights reserved. Contact us regarding reproduction of this content.

The Federal Funds Rate

Federal Funds vs. 10 Year Treasury & mortgage rates

Federal Funds vs. Prime Rate & mortgage rates

Three-year graph of 30-year Fixed Rate Mortgages

Three-year graph of 15-year Fixed Rate Mortgages

Three-year graph of 1-year Adjustable Rate Mortgages

Three-year graph of 5/1 Hybrid Adjustable Rate Mortgages

Five graphs showing One Scenario for Interest-Only Mortgages

HSH's Low-Cost "Guide to" Booklets

The following booklets are available individually for $4 for postage & handling -- or just $2 with the purchase of the Homebuyer's Mortgage Kit.

To order one or more of the booklets below, mail us a money order (available at any Post Office and many convenience stores) for the appropriate amount.

Our consumer catalog has additional products.

A Homebuyer's Guide to Mortgage Fees and Qualification
This booklet details the costs and procedures of buying a home from FICO scores to Tax Service Fees, and provides a point-by-point review of the common fees that face every homebuyer. There's also a worksheet for determining just home much mortgage they can qualify to borrow, and an amortization table for determining monthly payments for a mortgage. 12 pages.

A Homebuyer's Guide to Mortgage Strategies
Should you take a FRM, Balloon or Hybrid or traditional ARM? In today's volatile market, choosing the right kind of mortgage is even more crucial than ever before. Discussions of short vs. long time frames, assumable mortgages, prepayment options, worst case/worst cost scenarios will help you make the right decision. Mortgage Strategies will get you in tune with the current mortgage climate. 12 pages.

A Homeowner's Guide to Mortgage Refinancing
Why should you refi? When? How much can it cost? What is involved? Should you always select a fixed-rate loan when you refi, or can an ARM be a better deal? Pay fees, or go with a no- cost refi? This booklet helps you answer these questions, and offers tips on how to save time & money when you refinance and how to speed up the process. Also includes worksheets to determine how much you could save, and more.

A Homeowner's Guide to Prepaying Your Mortgage
Already refinanced, or can't refinance? Changing the way you pay your mortgage can still help you to save a bundle of cash. Just an extra $10 each month can add up to thousands of dollars in interest savings. This booklet is right for you if you've ever wondered whether to prepay or invest your money, wondered about biweekly payment plans, want to retire mortgage-free, and more, with details on exactly how to fit your mortgage into your financial goals. Find out how! 12 pages.

A Homeowner's Guide to Private Mortgage Insurance
Our authoritative Guide is now available online and free of charge! See the new "Everything you need to know about PMI", which covers topics from "What is mortgage insurance? to "What types of MI are there?", "What will PMI Cost Me?" and includes specific details on when mortgage insurance can be cancelled and how to do it.

A Homeowner's Guide to Home Equity Loans and Lines of Credit
What's the difference between a loan and a line? How do you find the best product for your needs? No-nonsense instructions on fixed rate, variable rate, indexes, draw periods, and more, about the only tax-deductible form of consumer borrowing. This 12-page booklet gives you the straight facts on how they work & how to shop for one with all the facts, and includes a list of survey questions you need to ask while shopping. Don't leverage your home without it!

A Homebuyer's Guide To Environmental Hazards
Information on potential health and safety problems posed by asbestos, radon, lead, and other hazards that may be in the air, drinking water, or the soil around a home. This is a reprint of a cooperative publication developed by the EPA, trade associations, and state and federal agencies representing the U.S. housing and home finance industry. 16 pages. Environmental Hazards is also available on our Web site at no cost.

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