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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. Click here 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
A Growing Case For One-Year ARMs
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
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.
Federal Funds vs. 10 Year Treasury & mortgage rates
Federal Funds vs. Prime Rate & mortgage rates
Three-year graph of Fixed Rate Mortgages
Three-year graph of Adjustable Rate Mortgages
Three-year graph of 5/1 Hybrid Adj. 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, either
-
Click on the shopping cart icon, or - Mail us a money order (available at any Post Office and many convenience stores) for the appropriate amount.
Our consumer catalog has additional products.
2CheckOut.com Inc. (Ohio, USA) is an authorized retailer for goods and services provided by HSH Associates, Financial Publishers.
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
This booklet provides valuable information for any homeowner
whose loan requires MI, including answers to questions which
include "How do I get PMI? Where does it come from, and how does
it work? Who does it benefit, and why? And how can you get rid of
it when it's no longer needed?" The specifics of when and how it
can be cancelled are spelled out in plain language. A table of how
equity is built by amortization alone and how it builds with a
combination of amortization and home price appreciation will help
consumers to understand when MI policies may be cancelled, and a
sample letter to send to a lender or servicer to initiate the task
is also provided. 12 pages.
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.
