Website Reviews SmartLiving123

December 24, 2010 – Bank of America Home loans

Filed under: Money & Investing — Tags: , , , , — Paul @ 2:25 am

Find Bank of America home loans information at

This is a web site to visit for people who are considering taking a home loan from Bank of America (BOA). BOA specifically set up this sub-domain for first-time home buyers who need home loans to finance their new homes. If you plan to shop for a new house or for a new mortgage loan, you may want to stop by at this web page.

The information provided at this website will help you figure out whether it is a right financial decision for you to own a house and how much home mortgage loan you can afford based on your current savings and income. There is also a very educational tutorial on the site which can give you an overview of the home buying and loan purchasing process and help you understand how it works. If you are first-time home shopper and have no idea about how the home buying process works, this tutorial is highly recommended. It is a very basic guide, but very easy to understand. For instance, if you are considering whether you should rent or own a house, your decision should depend not only on your financial status, but also on whether you need to move frequently. If you are a frequent mover because of your work or study, it may not be wise to own a house since you may have to spend a lot of time, energy and money in the house buying and selling process. In this case, you may want to consider renting instead of buying.

Many people are proud of themselves because they are home owners. But when shopping for a house, it is not only about finding your dream home but also about buying it at affordable price particularly when financing your new home with a mortgage loan. When setting the budget for your house purchase, you should consider both monthly mortgage expenses and other payments associated with your house such as home insurance, maintenance fees and property tax. When shopping for your mortgage loans, you should understand how to lower your interest rate by improving your credit score and increasing your down payment percentage. These days there are many types of home loans available on the market. So you need to do a thorough research on them so that you can choose the right home loan from a trusted lender. To make sure that there is nothing wrong with your loan contract, you should also be familiar with the loan process and terminology.

To learn more on Bank of America home loans or check the current BOA mortgage rates, please check out

December 15, 2010 – Check Current Citi Mortgage Rates Online

To check current mortgage rates offered by citibank online, visit

For a quick look at the approximate rates that are being offered, you should move your mouse over the “See Today’s Rates” button, and the current fixed rates in California will pop up. Both the 30 year and the 15 year fixed rates are shown. The rates are listed under the columns of “Interest Rates”, “Points”, and “APR”. If you are trying to compare Citibank mortgage rates with that of another bank, the correct rate to use for comparison would be the annual percentage yield “APR” rate, which takes into account points and prepaid interest among different lenders. Note however that the APR may or may not include application and appraisal fees, as well as title insurance.

Mortgage rates offered by banks vary depending on many factors, including your state of residence, your credit score, the duration of the loan, and your income level. For a more comprehensive look at Citi mortgage rates that take into account some of these factors, you need to click on the “Get your new home mortgage started today” link, which leads you to a page with the “Customize my rates” button. Clicking on that button takes you to a comprehensive mortgage interest calculator. At first sight, the calculator looks very forbidding, because of the large number of fields on it. However, many of these fields are automatically calculated from the values you enter, so the actual number of fields you have to enter is very small. The most important fields are right on the top of the calculator, marked with red asterisks. These are the location of the property you want to buy, whether it is a primary residence or a vacation home, and the expected purchase price. Based on your entries in these fields, the monthly homeowner’s insurance and taxes will be automatically calculated. The downpayment is also automatically set at 20% of the desired loan amount. Note that if you cannot pay a downpayment of at least 20%, you will be hit with a higher interest rate and be required to purchase additional mortgage insurance. Conversely, if you enter a higher downpayment, you can get a lower interest rate. Finally, you need to enter your monthly income and expenses. Once you have entered these fields, just click on the “Save and Continue” button, and you will be presented with a variety of mortgage options based on your inputs, including both fixed and adjustable interest rate loans of various durations.

To check today’s citi mortgage rates online, go to

December 10, 2010 – Wachovia Mortgages

To find out more information about Wachovia mortgages, or to check the balance on your existing Wachovia mortgage online, go on to

This site will automatically redirect you to, which is the central site for Wells Fargo mortgages. Of course, Wachovia bank itself is now a division of WellsFargo Bank. During the financial crisis of 2008, Wachovia Bank was found to be holding too many adjustable rate and subprime mortgages which were in danger of going bad, and suffered from a near bank run. After the failure of Washington Mutual bank, Wachovia suffered $5B in withdrawals in a single day in September 2008, and was forced to by the government into being taken over by Wells Fargo Bank. Hence their websites are now in the process of being replaced by WellsFargo sites.

Previously, you could check your Wachovia mortgage balance directly on However, since the site has been replaced by the Wells Fargo mortgages site, the same Wachovia mortgage login must be accessed via the “managing your account from Wachovia Online Banking” link. Once you have clicked the link, you will be directed to the Wachovia Online Banking site, where you should choose the “Online BillPay” to pay your monthly mortgage. From the same site, you can also access your  savings or checking account, or securities brokerage account.

Wells Fargo is in the process of converting all Wachovia mortgage accounts into Wells Fargo accounts. Eventually, nearly all Wachovia mortgages will end up being Wells Fargo mortgages. So, this is a good time for Wachovia customers to begin learning more above Wells Fargo mortgages. Conveniently, now that the Wachovia mortgage login site has been replaced by the Wells Fargo mortgage site, you can learn about their mortgages on the same site. If you click the “Learn More” button near the bottom of the page, you will be directed to the WellsFargo Home Mortgage website where you can check up on the latest rates offered by the bank. In addition to rate information, there are many tools available on the site which can help a mortgage holder. For example, there is a set of tools which can help you determine whether you will save money by refinancing your mortgage, including a refinancing calculator which can help you estimate how long it’ll take for you to break even if you refinance.

To log into your Wachovia mortgage account, or learn more about WellsFargo mortgages, visit

November 9, 2010 – Wells Fargo Home Mortgage Rates is the web page to check Wells Fargo home mortgage rates. No matter if you plan to buy a new house or refinance your current loan, you will find the relevant interest rates on the site.

How to check Wells Fargo home mortgage rates
Enter the following address in your web browser: The interest rates for both new mortgage loans and for mortgage refinance loans offered by Wells Fargo can be found. Note that these different loans carry different interest rates, because they are for different purposes and carry different default rates.

When you arrive at the page mentioned above, you will see a red button located right on the middle left of the page and it says “Check Today’s Rates”. Click on it and you will be led to the page: where you will see a table with mortgage loan options, interest rate and APR listed. Note that this interest rate is for a refinancing of a single-family, primary residence. It is not the rate for a new home purchase.

To check the new purchase Wells Fargo home mortgage rates, you should use the Calculate Rates and Payments tool found on the right hand side of the WellsFargo mortgage page. Before getting the interest rate, you need to fill out a short form with required information. For loan purpose, choose “Purchase” if you plan to take a new loan, otherwise choose “Refinance”. You need to put in your home value and loan amount. You also need to select your property’s State and Country from drop down lists. Since all these factors will influence the interest rates, make sure that you enter the required information correctly and precisely. After that, click on the “get rates” button. And on the next page, you will see a table containing multiple common types of loans and their interest rates, APR and payment listed correspondingly. For instance, today’s 30 Year Fixed FHA home mortgage rate for a new home purchase in my region is 4.25%. Note that not all the mortgage loan options offered by Wells Fargo are listed on the site. If you want to learn the rates of their other loan types, you may need to contact them directly.

How to contact Wells Fargo mortgage customer service
There are several ways you can contact Wells Fargo mortgage customer service representatives. You can send an email to them by filling out the online contact form at You can call their toll free phone number: 1-877-937-9357. You can visit their local mortgage branch office in your area or request a local mortgage consultant to contact you at


October 21, 2010 | Find the Best Home Loan Mortgage Rate

Filed under: Finance — Tags: , , , , — Paul @ 7:52 pm

Check out to find the best home loan mortgage rate. is a web site specially designed for home shoppers who need a home loan. Purchasing a house may be the biggest investment or expense in your life. Most people cannot afford a house without a mortgage loan. But applying loans is not a pleasant experience for most people, especially first-time homeowners.

Before applying for a loan, you need to do your homework to learn some basic knowledge about mortgage loans. For instance, you may want to know how many types of loans are available on the market, what are the current mortgage rates, which lenders you should use and how large a loan you can afford. If you don’t have a good credit score, you may also want to learn to how to apply for a mortgage successfully for people with bad credits. Basically, the idea is that the more research work you do, the easier you get your ideal mortgage loan and the more money you are going to save. If you want to pay off your mortgage earlier, you should be fully prepaired before your purchase.

At, you can check current mortgage rates, find a lender directory and use their mortgage calculators to plan your budget. In their research and learn section, you can find the answers to many common questions regarding home mortgage loan applications such as what are typical mortgage down payments, when do you want to refinance your home loan amd how to get an FHA loan application approved for people with bad credit. After all the study and research, you can apply for a loan or get a mortgage quote on the site.

To search the current home loan mortgage rate, you need to define several criteria including loan purposes, your residential state, loan type, loan points and loan amount, since all these factors can influence your final rate. There are two types of loan you can choose from: refinance and home equity. If you want to lower your interest rate and refinance your mortgage, then choose the first choice. Otherwise go with the second choice. Multiple types of home loans are available varying with different categories and terms. For instance, the commonly-seen home loan types include Fixed rate, adjustable rates, FHA and VA. And popular loan terms include 30 years, 20 years, 15 years and so on. You also need to let them know which state you are living in since there are regional variations in local mortgage rates. In some regions people can get the interest rate better than the national average rate.

So you are shopping for home loans or are considering whether to refinance your mortgage, one web site can help you finding the best mortgage rate is

October 17, 2010 – LendingTree Mortgage Refinance Loans

Check out for LendingTree mortgage refinance loans information. is a popular web site providing multiple lines of financial information about mortgage, mortgage refinance loans, home equity loans and more. This website is operated by LendingTree LLC. and it is a BBB accredited business with an A+ rating. If you are considering requesting for home loans or refinancing mortgage loans on this site, and want to find LendingTree reviews or LendingTree complaints online, the BBB website is a good place to visit.

Recently more people are considering whether to refinance their mortgage home loans. The main reason is that they want to lower their interest rate. Today, the nationwide average 30 year fixed rate mortgage loan interest rate is only 4.25% which is pretty low compared to the last several years. Actually, lowering the interest rate is not the only benefit from mortgage loan refinancing. By refinancing mortgages, homeowners can consolidate debt, get cash from their home equity loans and switch to a fixed-rate loan with stable monthly payments. But one important question is when you should refinance your mortgage? As you may know, timing is very important in all investment activities. To make a smart move, you need to check the current mortgage options, compare mortgage interest rates and do a careful refinancing calculation. provides all the financial tools needed for homeowners to get these things done. For instance, you can use Lending Tree mortgage checkup to view current home loans and loan rates and mortgage refinance calculator to estimate your future payment.

To fully enjoy the financial services provided by Lending Tree, you may need to create an account on their site. In your account, you can keep track of all your loan request activities. If you have any questions, you can reach LendingTree customer care by email or call their toll free number 1-888-272-1355 for help.

To learn more about LendingTree mortgage refinance loans, visit

June 23, 2010 | Us Bank Home Mortgage Rates | UsBankHomeMortgage Website

Filed under: Finance — Tags: , , — Paul @ 4:41 pm

Check Us bank home mortgage rates at the site:, the official website of the Usbank home mortgage. is brought to you by US Bank, one of major commercial banks in the United States. At the Usbankhomemortgage website, you can gather all the information regarding home mortgages offered by US bank.

You can view the current mortgage loan rates offered by USbank at their site. For USbank home mortgage online account users, viewing their mortgage payment history and mortgage account statements are available. But to access these functions, login is required.

If you are interested in getting a new mortgage loan from US bank, you can request a Usbank home mortgage specialist contact you by submitting a form at

If you are not familiar with loan shopping, you can learn basic knowledge of mortgages at this site which provides information for first time home buyers and for others on purchasing a home, refinancing homes, and monthly payment calculations.

You can visit the “About Us” page to learn detailed information about US bank. The“Customer Service”page is an important link that allows you to do personal banking, check savings, check credit cards and perform other useful tasks.

If you are one of people who are primarily interested in getting new mortgage or refinancing home mortgage will find the usbankhomemortgage website extremely useful. Usbank also offers other financial products such as personal banking, insurance, investment, brokerage and trust and online payment services.

To check Usbank mortgage rates or to learn more on how to make a Usbank home mortgage online payment, visit the UsBankHomeMortgage website at

Powered by WordPress