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Mortgage rates are down! It may be a good time to refinance, or learn the income you need to buy a median-priced home in the top 50 metro areas!

Mortgage rates are down! It may be a good time to refinance, or learn the income you need to buy a median-priced home in the top 50 metro areas!

HSH Publications

HSH Publications

All publications on our website are Copyright HSH® Associates.
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

Option ARMs: A Negative 'Option' Explained (with graphs)

Thoughts on Mortgage Risk, Housing Bubbles and Market Perceptions

The HSH Mortgage Glossary

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?

Differences Between Vantage and FICO Scores

(Free Content) All About Shared Appreciation Mortgages

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

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 5/1 Hybrid Adjustable Rate Mortgages

Five graphs showing One Scenario for Interest-Only Mortgages

HSH's new Guides and former consumer booklets

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. Now covered exhaustively in a free suite of content, including a our guide, tips, strategies, calculators and more! See our comprehensive mortgage refinancing content.

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. Now available as a free suite of content -- see our comprehensive Mortgage Prepayment Guide.

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, repayment concerns and more. Everything you need to know about how to build, protect and borrow the precious equity in your home. A former 12-page booklet and now a 5-part, 10 article online guide that includes KnowEquity Tracker, HSH.com's home equity planning tool.

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