Articles and Guides for Consumers

Following are some useful articles and guides for homebuyers and homeowners in which PMBG has contributed:

• Despite the recent interest rate increases, experts say you should finance as much as possible.
  Published: Unique Homes
  Financing a multi-million home can be a scary proposition, but there are plenty of options and packages available for high-end home buyers that can make buying a luxury property fit nicely into a portfolio of sound and secure investments.



• No-doc loans let you get a mortgage when you don't fit the mold
  Published: Stef Donav, Contributing Editor, Interest.com
  Discover how there are different options of documentation for the unconventional borrower.



• The 35 Things you Should Know Before Buying a Luxury Home
  Published: Unique Homes
  Read about some important steps you should take to successfully purchase luxury real estate.



• Get Up to 100% Financing Without Having to Sell Any Investments with Pledged Asset Loans [External Link]
  Published: Institute for Luxury Home Marketing consumer website
  Pledged Asset Loan Programs allow a borrower to finance 100 percent of the purchase price of the home without taking money out of an investment account.



• Vacation Home Financing
  Published: Robb Report Vacation Homes
  Learn more about the pros and cons of interest-only financing for vacation homes.



• Luxury Real Estate Market Update
  Published: Robb Report WORTH
  Highly specialized mortgage lenders cater to an emerging segment.



• "Ladder Financing" For Maximum Cash Flow
  Published: Unique Homes
  A look at cutting-edge strategies for optimizing your finances.



• Credit Score
  Understand how your credit scores are determined and what you can do to improve your credit rating.



• Pre-Qualification vs. Pre-Approval
  Identify your property price range, and strengthen your bargaining power by understanding the difference between these two buyer tools.



• LIBOR Loans: One of the Most Sought-After Loans in Today's Economic Environment [External Link]
  Published: Institute for Luxury Home Marketing consumer website
  LIBOR loans are interest-only ARMs (adjustable rate mortgages) tied to the one-month LIBOR index.



• Jumbo Loans: Can you really afford one?
  Published: Stef Donav, Contributing Editor, Interest.com
  Jumbo loans aren't for everyone; make sure you know all the pros and cons and discuss your options with an expert PMBG loan officer.



• Financing the Ultimate Home [External Link]
  Published: Unique Homes consumer website
  A broad range of mortgage and loan options are available to buyers of luxury houses.