www.timothyklinger.com

• Homepage
• About Us
• Contact Us
• Employment
• Home Purchase
• Home Refinance
• Legal
• Licensing
• LQB Consumer Portal
• Online Forms
• Pre-Qualify
• Privacy Policy
• Rate Disclaimer

Mortgage Library

• Loan Programs
• FAQ
• Mortgage Calculators
• Credit Related Articles
• Mortgage Basics - List of Mortgage Topics
• Mortgage Terminology
• Va Loans
• Mortgage Refinance
• Fha Loans
• Real Estate Appraisals
• Home Foreclosure
• Closing Costs
• Private Mortgage Insurance
• Mortgage Application Checklist
• Credit Report
• Denied Credit
• Credit Scoring
• Credit Bureaus
• What's In My Credit Report?
• Credit Scoring Uses
• Credit Scoring Model
• Improve Credit Score
• Fair Credit Reporting Act
• Credit Scoring Reliability
• VA Loan Benefits
• Multiple VA Loans
• Applying for a VA Loan
• VA Loan Disadvantages
• What is a VA Loan
• VA Approved Properties
• Who is Eligible for a VA Loan
• Refinance Cost
• Refinancing Before Moving
• What are Loan Points
• Late Credit Card Payments
• Choosing Lender
• Finding Best Mortgage Deal
• When to Refinance
• Lock Interest Rate
• Points to Lower Interest Rate
• Credit Impact on Loan Qualification
• Bankruptcy and FHA Loans
• What is an FHA Loan
• Documents Needed for FHA Loans
• What Can I Afford
• Fha Versus Conventional Loans
• Determining Property Market Value
• Another Mortgage Company
• Assisting the Appraiser
• Appraisal Methods
• What is an Appraisal
• Why Get An Appraisal
• Who Owns the Appraisal
• Avoiding Foreclosure
• Temporary Problems
• Long Term Problems
• What is Foreclosure
• Missed Mortgage Payment
• What is RESPA
• What Happens at Closing
• Statutory Costs
• Third Party Costs
• Up Front Expenses
• Finance And Lender Charges
• PMI Cost
• Applying for PMI
• How PMI is Paid
• What Is Pmi
• How PMI Works
• PMI Companies
• History of Pmi
• Cancellation Of Pmi
• PMI and Larger Loans
• VA Loans
• FHA Loans
• Hybrid ARMs
• HARP 2 Refinance
• Balloon Mortgages
• Components Of ARMs
• Reverse Mortgages
• Fixed Rate Mortgages
• Best Program For You
• Interest Only Mortgages
• ARM Commonly Used Indexes
• Adjustable Rate Mortgages
• Graduated Payment Mortgages
• Truth In Lending
• Should I Lock Rate
• Loan Process
• Privacy Policy

Blog

• Blog - Why It Might Be Time to Trade Living with Your Parents for a Place of Your Own
• Blog - Mortgage Rates, Inflation, and a Buyer-Friendly Market: How to Navigate Your Next Home Purchase
• Blog - What the Fed’s Expected Rate Cut Means for You—and Four Key Questions to Watch
• Blog - Debunking Scary Myths About Buying a Home
• Blog - How Non-QM Loans Work: A Smart Alternative for Non-Traditional Borrowers
• Blog - Is Now the Right Time to Refinance Your Mortgage?
• Blog - The Surprising Factors That Could Make Your Home Worth More!
• Blog - How to Beat Inflation and Buy the Perfect Home: 6 Hacks for Savvy Buyers
• Blog - Your Home’s Hidden Value: How Much Equity Can You Borrow Today?
• Blog - Interest Rates Are Dropping: Here’s What It Means for Your Loans and Savings
• Blog - How to Dodge the Top 3 Mortgage Blunders in Today’s Market
• Blog - The Housing Market Shift You Didn't See Coming—Is Your Dream Home Finally Within Reach?
• Blog - 2025 Real Estate Forecast: The Surprising Truth About Buying Now!
• Blog - Locking In Your Mortgage Rate: Why and When to Lock it
• Blog - Understanding Inflation: What It Means for Homebuyers and Those Considering Refinancing
• Blog - Busting the Biggest Myths About Buying a Home in 2024
• Blog - Is a Second Mortgage Right for You? The Benefits and Pitfalls Explained
• Blog - New vs. Existing: Why a Newly Built Home Could Be the Better Deal
• Blog - Navigating Refinance Appraisals with Confidence
• Blog - Tax Deductibility of Home Equity Loans in 2024
• Blog - Is Your Dream Neighborhood in a Buyer's Market? Here's How to Find Out
• Blog - Understanding Your FICO Score: Key to Better Home Loan Rates
• Blog - The Biggest Mistakes Potential Homebuyers are Making Right Now
• Blog - Avoid These 5 Expensive Kitchen Mistakes When Buying Your First Home
• Blog - Understanding Hazard Insurance: What Homeowners Need to Know
• Blog - Tips for Buying a Home at a Lower Cost
• Blog - 9 Home Buying Myths Debunked – Don’t Fall for These Common Traps!
• Blog - Understanding the Differences Between Mortgage Insurance and Homeowners Insurance
• Blog - 5 Ways You Might Actually be Sabotaging Your Homebuying Efforts
• Blog - Why You Need a Real Estate Agent When Buying a Home