Smart Loan Lady Mortgage Advice Center

Deciding on the right home loan is sometimes a confusing process. The Loan Center provides expert articles and helpful tools to help you whether you are buying a new home, refinancing your current loan or simply want more information.

FREE Mortgage Reports
These reports are have been designed to be easy and quick to read - but give you the key pieces of understanding that will help you avoid the most common and expensive mistakes when you are looking for a home loan. Click here to go to the FREE Mortgage Reports page.

Loan Programs
All mortgage programs can be divided into two different categories: Conventional and Government loans. In these categories the programs may be classified as fixed rate or adjustable. Government loans are generally FHA, VA and USDA Rural Housing. Compare the different programs to learn what might be the best loan for you. Compare here.

The Tax Advantages of Home Mortgage
Everyone knows that owning a home is the American dream, but did you know that having a mortgage and paying monthly mortgage payments usually results in substantial deduction on your annual income tax return. More Info here.

Knowing and Understanding Your Credit
Owning your own home is a major part of the American dream. I want to help you understand the steps you have to follow to reach that dream. Knowing and understanding your credit will help you establish and maintain good credit and move you closer to your dream. Click here for more info.

Mortgage Calculators
If you are considering a change in your housing situation like a new home loan, working with a free mortgage calculator can give you an idea of how much home you can afford and what you monthly payments might be. If you already own a home, you might want to determine how much you can save each month with a mortgage refinance. First-time home buyers can compare the costs of continuing to pay rent versus investing in a home. Use one of my 19 Calculators.

Going Green and Saving Money
While the most obvious way to save money on your home is securing a low mortgage rate, savvy homeowners can also reap financial benefits from the latest energy-efficient products and environmentally-friendly technology. Whether you install solar panels, a "green" heating and cooling system, or explore new uses for old materials, it pays to supplement low home mortgage rates with money-saving ideas. Read More.

Mortgage Glossary
My glossary of mortgage loan terminology defines the variety of terms used by loan officers and real estate professionals during the home buying and loan process. This is a good place to go to help you understand every step of the process. Click Here.