Mortgages & Personal FinanceLearn Why It Is Imperative That You Select The Right Loan For your Situation

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Learn about 15 Questions that every home buyer should know the answers to “prior to” purchasing their home…

If you are considering purchasing a home or refinancing—you can go to or along with local mortgage lenders in your area to determine what loan will best suit you and your family.  You can compare closing costs, APR's and Par rates to determine what loan will best serve your and your family's long-term interests.


It is important that you understand what home mortgages and refinancing encompasses and it is important that you do your “due diligence” prior to obtaining your home loan or any loan. 

Learn about the latest home loan and refinance guidelines...

It is imperative that you understand that it is your responsibility to obtain a loan that is in your and your family’s best interest. 

By properly educating yourself “prior to” obtaining your home loan you can enhance your financial future and position your family’s future in a manner that can really serve your and your family’s best interest!

You can put yourself in a "position of strength" so that you can avoid putting yourself and your family in position to be taken advantage of like many who lost their home or faced financial difficulty during the home loan mortgage meltdown of 2008, and subsequent years.

Be sure to comprehend the following links at your highest level and apply what you feel will work best for you and your family!  

In addition, be sure to utilize the “glossary” and the “site map” in an effective manner. 

By doing so you will put yourself and your family in position to always have the education that you need that will serve your best interest prior to having to make a credit or financial decision.

Also keep in mind that on many of the following links you will go to an external site——another site that was created by the same content writer of this site.

By utilizing this site and the one listed above in an appropriate manner
 you will have access to powerful information that will truly transform your and you family's future. 

If the sites are used in combination—along with the purchase of Managing & Improving Your Credit & Finances for this MILLENNIUM—we believe that you will obtain a body of knowledge and practical application of credit, finance and real estate systems and approaches that are unmatched by anything that you can find in personal finance.

All About Warranty DeedsLearn what "type" of deed you will get after you purchase your home

All About Titling Your New HomeLearn why the type of ownership that you choose is so important

Atlanta Area Down Payment Assistance Programs

Buying a HUD Home In GeorgiaI want to buy a HUD Homewhat are my requirements?

Complete Home Buying Process

Environmental ConcernsLearn about environmental concerns that you must be aware of if you are a home buyer

Fannie Mae Home Ready Loan

FHA Mortgage Qualification

FHA 5/1 Arm Versus An FHA 30 Year Fixed Rate Loan

Financially Alert MindLearn why you must have a "financially alert mind"

Helpful Finance Websites

Home Loan Closing Costs

Home Loan Documents Needed

HomePath Mortgage

How Home Loan Amortization Works

How to Price Your Home Appropriately

How To Shop For A Mortgage Loan

Jumbo Loan Mortgages

Latest Home Loan & Refinance News

Latest Tax News About Mortgages

Lease Purchase Tips

Mortgage Hunter Tips

Mortgage InsuranceThe Ins—and Outs—of Private Mortgage Insurance, Mortgage Insurance Premiums & VA Funding Fees

Mortgage Loan CalculatorLearn how to calculate your monthly mortgage

Mortgage Loan GuidelinesLearn about how lenders rate your credit prior to obtaining your home loan

Mortgage Loan ServicingLearn why it is important that you know how your home loan will be serviced

Personal Financial Statements—Learn how they can assist you in selecting the home loan that is best for you—and your family

REO's or Bank Owned Properties

Renovation & Rehabilitation Loans

Reverse MortgagesLearn what you need to know about Reverse Mortgage Home Loans

Search Atlanta Area Homes

Top 20 Questions to Ask Your Real Estate Agent

Understanding REO's or Real Estate Owned

Underwater Mortgages & Personal Finance

What Does A Typical Monthly Mortgage Payment Include

2011 Housing & Refinance News

What You Need To Know If You Are Considering A Home Equity Loan or Home Equity Line of Credit

Why Home Loan Pre-Approval Is So Important?

How Short Sales Work If You Are A Home Buyer

How Short Sales Work If You Are A Home Seller

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



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