Changing the Way Home Mortgages Are Originated: The Certified Lender Network
Second of a Series on CLNs: Providing Competitive Loan Pricing
Third of a Series on CLNs: Providing Competitive Pricing of Third Party Services
Fourth of a Series on Certified Lender Networks: Providing Decision Support
Last of a Series on Certified Lender Network: The Need For Multiple Paths

Does it Pay to Shop for a Mortgage?
What Is the "Price" of a Mortgage?
What Mortgage Market Niche Are You In?
Can a Mortgage Expert Assess Your Deal?
Can I Avoid Mortgage Prices That Have Lapsed?
Can I Rely on Mortgage Price Quotes?
Which Mortgage Referrals Can You Trust?
Can Shopping For a Mortgage Hurt Your Credit?
Is it OK to Submit Two Mortgage Applications?
How Do You Avoid Mortgage Predators?
The Worst Mistake of Mortgage Borrowers
What Mistakes Do Mortgage Shoppers Make?
Complicated Deals Can Distract You From What Is Important
Lies Mortgage Shoppers Hear
What Is a Mortgage "Overage?"
Time in House Affects Which Decisions?
Changing the Loan After You Lock
How to Shop For a Mortgage
What Should I Do With Mortgage Spam?
Are Mortgage Prices Negotiable?
Who Gets the Lowest Mortgage Price?
Why Is It Easier to Shop a Refinance Than a Purchase?
How to Avoid Mortgage Overcharges
Beat the GFE: A Viable Shopping Strategy?
Quick Tips on Major Hazards
Mortgage Leads: Are You One?
Alternative Approaches to Selecting a Loan Provider
Shopping For Service Quality in Loan Providers
Do Mortgage Borrowers Have Bargaining Power?
Shopping For a Jumbo Mortgage in a Distressed Market
Mortgage Shopping Tips For Borrowers In a Hurry
Shrewd Mortgage Borrowers Know Their PNPs
Mistakes That Borrowers Make: Causes and Cures
The New GFE Will Help Borrowers
Beginning of the End of the Mortgage Bazaar?
Overcoming Payment Myopia
Responding to Solicitations From Mortgage Lenders Is a Bad Idea
Navigating the Mortgage Charge Minefield: Identifying Shopable Charges
Navigating the Mortgage Charge Minefield: Identifying Non-Shopable Charges
Are Borrowers a Reliable Source of Lender Referrals?
Why Your Mortgage May Cost More Than You Expected
Why Your Mortgage May Cost More Than You Expected (2)
Rental Income No Help to Home Buyers
Why Doesn't Competition in the Home Mortgage Market Provide the Benefits     Expected From Competition?

Locking Problems In a Crisis Market
Why Is Locking Unique to Mortgages?
When Is the Right Time For a Mortgage Lock?
Did You Pay For Insurance You Didn't Get?
Locking the Mortgage Rate But Not the Points
Is the Lender Obliged to Extend a Mortgage Rate Lock?
Is it Wise to Float?
What Is a Float-Down?
What Happened to My Mortgage Rate Lock?
Is the Borrower Committed by a Mortgage Lock?
Questions About the Failure of Mortgage Locks
What's Covered By a Mortgage Lock?
Locking the Price Doesn't Mean Locking the APR
Should a Required Lock Deposit Torpedo the Deal?
Locking the Mortgage Through Mortgage Brokers In a Volatile Market
Should You Lock ASAP?
Locking the Mortgage Rate Has Become a Challenge
A Lock Statement For Lenders -- And For Borrowers
Can You Time a Lock to Your Advantage?

The Professor's Qualification Tool
Qualifying For a Mortgage
Can I Obtain a Mortgage Loan Without Income?
Will Mortgage Lenders Count Anticipated Income?
Can Rental Income Help You Qualify For a Mortgage?
Can a Temporary Buydown Help Me Qualify?
When Good Credit Marries Bad Credit
Why Is Alimony Such a Drag?
Can You Separate Income and Credit?
What If I'm Fired Before the Loan Closes?
Difficult For Self-Employed to Qualify For a Mortgage?
What Are Mortgage Documentation Requirements?
Why Must Gifts Be Documented?
When Co-Borrowers Split, Problems Arise
Can a Spouse's Debts Be Disregarded?
Pay Down Debt or Pay More Down?
Do Mortgage Lenders Count Deferred Student Debt?
Who is a Good Mortgage Risk?
Do Mortgage Lenders Recognize Bargain Prices?
What Is a "Primary" Residence?
Is an Outbuilding Part of Value?
Can I Buy Two Properties At Once?
Combine Two Properties In One Mortgage?
Does 401K Debt Count?
Qualifying For a Mortgage With Investment Income?
Co-Signing a Mortgage: How Much Help?
Allow a Friend to Qualify With Your Account?
Will Bonuses Qualify Me For a Larger Mortgage?
Stated Income Loans: Lie to Get a Better Rate?
How Much Financial Help Should You Give?
The Mortgage Lending Process
Change Jobs Before or After Applying For a Mortgage?
The Problem in 2010 is Underwriting
Mortgage Pre-Approvals In a Tight Market
In the Post-Crisis Market, Some Lenders Reject Condo Loans
Mortgage Qualification Repair: Meeting the Down Payment Requirement
Mortgage Qualification Repair: Meeting the Income Requirement
Mortgage Qualification Repair: Meeting the Credit Score Requirement
From W-2 to 1099 is Bad News For Mortgage Borrowers
Rental Income No Help to Home Buyers
Can You Qualify in Today's Market

When Good Credit Marries Bad Credit
Lessening the Impact of Bankruptcy on Your Credit
The Hazards of Co-Signing
Raise Credit Score by Paying Credit Card Delinquencies?
Does a Fast Payoff Affect Your Credit Score?
Do Credit Inquiries Hurt Your Credit Score?
What Happens When You Skip a Payment?
Is Credit Scoring Fair to Minorities?
Does it Matter Who Makes the Mortgage Payment?
Why Is the Loan Rejection Rate Rising?
Authorized Users: Any Credit Risk? Any Benefit?
How Do You Correct Mistakes in Your Credit Report?
Does the Highest Credit Score Get a Better Rate Than a High Score?
Credit Reports and Credit Scores
Credit Scores: How Much Debt Is Too Much?
Can You Get A Mortgage With a FICO Score of 450?
Are Credit Problems Cured by the Passage of Time?
Managing Credit Cards to Raise Your Credit Score
Why Do Employers Check Credit?
Does a HELOC Adversely Affect Your Credit Score?
Don't Wait to Pay Off a Collection Account
Do You Need More Than One Trade Line?
Underwriter Is Tough on Authorized User
How Forgiving Is the Mortgage System?

The Closing Process

The Mortgage Document Deluge: Are You Prepared?
The Mortgage Document Deluge: Are You Prepared?(2)

Does Truth in Lending Help Borrowers?
Prepaid Finance Charges: Another Truth in Lending Lie?
Truth in Lending: What Isn't Disclosed That Should Be?
Questions About the Annual Percentage Rate (APR)
The APR on a Cash-Out Refinance
Annual Percentage Rate: Why Won't Government Fix It?
Annual Percentage Rate Simplified
Annual Percentage Rate Below Interest Rate?
Annual Percentage Rate Below Interest Rate on ARM?
Annual Percentage Rate (APR) Versus Interest Cost
Why Isn't the APR Locked With the Rate?
Why Is APR Lower on Low-Rate Loans With High Fees?
Determining Annual Percentage Rate With a Calculator
Settlement Costs Included in Annual Percentage Rate
Is the APR Reduced If the Home Seller Pays the Fees?
Mortgage Loan Calculator: Lender Fees From APR
Disclosure Rules on Mortgage Prepayment Penalties
Disclosure Rules on Mortgage Assumptions
Mortgage Broker Fees: What Is Adequate Disclosure?
Mortgage Broker Fee Disclosure: NAMB's Proposal
Disclosure Rules on Adjustable Rate Mortgages
HUD's Proposals For Reform
The New GFE Will Help Borrowers