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LOCAL MORTGAGE COMPANIES
	BB&T in New Bern 375 S Front St New Bern, NC 28560-2133 Ph: 1-800-590-5127	Wells Fargo 401 South Front Street New Bern, NC 28560 Ph: 252-617-7501 Marie.b.Phillips@wellsfargo.com
	First South 202 Craven Street New Bern , NC 28560 Phone: (252) 637-7069 MWillis@firstsouthnc.com	First Citizens 305 Broad Street New Bern, NC 28563 252-637-8200

APPRAISALS Appraisal Basics Appraisal Methods When To Order An Appraisal Appraisal To Establish House Market Price Appraisal Needed To Obtain Loan Helping The Appraiser	BANKRUPTCY Alternatives to Filing Bankruptcy How to Avoid Foreclosure Chapter 7 Bankruptcy Bankruptcy And My Bills Bankruptcy and Bill Collectors Your Property and Assets Your House and Car About the Process Bankruptcy Questions & Answers
CALCULATORS Prequalification Wizard Mortgage Payment Calculator How Much Can I Afford? Should I Rent or Buy? Cost of Living Index Debt Consolidation Calculator How Much Income Do I Need to Qualify? Tax Benefits of Buying Calculator Should I Pay Points Calc Mortgage Payment Amortization Refinance Calculator APR Loan Calculator APR ARM Loan Calculator ARM Loan Payment Mortgage Principal Calculator Mortgage Length Calculator Canadian Payment Calculator	COMMERCIAL MORTGAGES Underwriting Guidelines Commercial Lending Ratios Commercial LTV Ratio Commercial Debt Ratios Commercial Debt Service Ratio Commercial Property Types Questions to Ask Yourself 10 Myths and Facts About SBA Commercial Loan Checklist Financing Options Commercial Lenders Database
CREDIT Online Credit Reports Mortgage Loans and Credit ABC's of Mortgage Credit Credit Guide Scoring Credit Reporting Agencies How to Correct Errors Credit Profiles Credit Report Access Credit Questions & Answers FICO Scores	DOWN PAYMENT Low Down Payments Down Payment Loans and Gifts Down Payment Grant Qualifying For Low Down Payments Down Payment Assistance State Housing Authorities
FHA LOANS State FHA Loan Limits FHA Mortgage Insurance FHA Streamline Refinance Down Payment Gifts Bankruptcy and Foreclosure Refunds Ready on FHA Loans Single Family Home Program Single Family Rehab Program Title I Improvement Loan Energy Efficient Mortgages Reverse Mortgage Program	INSURANCE Home Insurance Quotes Homeowners Insurance 12 Ways to Save on Homeowners Private Mortgage Insurance PMI Cancellation PMI Payment Options PMI vs. FHA MIP Title Insurance Title Insurance Protection Title Insurance Policy Flood Insurance Auto Insurance Quotes Life Insurance Quotes
INTEREST RATES Current Interest Rates Imperfect Credit Rates Markets and Economy Market Snapshot Economic Calendar Market Commentary Driving Interest Rates Newsletter Inman® Radio Market News Freddie Mac Monthly 30 Year Average Rate Freddie Mac Monthly 15 Year Average Rate Freddie Mac Monthly 1 Year Average Rate Annual Percentage Rate (APR) Mortgage Terminology Economic Terminology Mortgage 101 Daily Rate Survey	LOAN PROGRAMS Fixed Rate Mortgages Adjusted Rate Mortgages (ARM) Standard ARMS and the Differences Introductory Rate ARM's London Inter Bank Offered Rate (LIBOR) Balloon Mortgages Interest Rate Buydowns Cost of Funds Index (COFI) Graduated Payment Method (GPM) Choosing The Best Program
MORTGAGE APPLICATION Download a Mortgage Application Two Key Factors in Qualifying for a Home Loan Mortgage Terminology Economic Terminology RESPA (Real Estate Settlement Procedures Act) Annual Percentage Rate (APR) Choosing A Mortgage Company Your Initial Meeting With A Lender After The Mortgage Application Speed Up The Mortgage Process Escrow Account Basics Real Estate Transaction Forms	REFINANCE Refinance Considerations Refinance Once, Then Do It Again Build Home Equity Faster Get Your Hands on Some Cash Trade your ARM for Fixed Rates Mortgage Refinance Costs Analyze Your Savings Paying Points For A Lower Rate Your Personal Income Taxes Consider Other Mortgage Programs Deciding To Refinance Refinance Calculator
RELOCATION Relocation Considerations Top Ten Relocation Headaches Relocation Issues for Kids Home Buyer Checklist Select A Relo Professional Before You Relocate After You Relocate	SECOND MORTGAGES Home Equity Credit Lines Length of Second Mortgage Payment Calculations Second Mortgage Costs Second Mortgage Rates
VA LOANS 5 Steps to a VA Loan Eligibility Requirements Eligibility Questions Financing Benefits VA Loan Purposes Obtaining a VA Loan VA Loan Costs Restoration of Entitlement VA Loan Questions VA Office Locations	OTHER Mortgage WebBoard INMAN© News Feature

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