In the Apex Home Loans, Inc. Information Library you will find helpful information on some of the finer points of owning your house.

Download/VIEW the articles below

How-to Monday: "Trigger leads" [PDF file]
The Baltimore Sun, 2008
Applying for a mortgage? Don't be surprised if you get calls, emails or letters from competitors
hoping to steal you away from the company you picked.

Report: Buying points rarely pays off
The Seattle Times, 2006
A new report claims that borrowers tend to purchase too many points when selecting a mortgage and end up paying more than they would have with no points and a higher interest rate.

A Consumer's Guide to the Facts & Fiction About Credit Scoring and It's Role in Lending [PDF file]
National Association of Mortgage Brokers
- What is credit scoring?
- How does credit scoring help you?
- How to improve your credit profile and score
- How do you correct an error on your credit report?

An Appealing Idea [PDF file]
Kiplingers, 2004
You can fight City Hall over your property-tax bill
Tips about appealing your property-tax bill. Included is a ten step guide to lowering your taxes.

Planning your Estate -
Don't Let Your Wealth Blow Away [PDF file]
SmartMoney Magazine, November 2003
It's no wonder that people don't think or talk about estate planning - it's a subject that seems to veer between complicated and spooky. But don't let that keep you from protecting your family. Here's a straightforward rundown of what you need to know, and some good reasons for acting now.

Tax Implications of a House Divided [PDF file]
The Washington Post
Divorce is never a pleasant topic. It often involves the family home, young children, child custody and child support.
It also requires careful tax planning.

Interest-Only Loans Are Potential Time Bombs [PDF file]
Kenneth R. Harney
One of the most popular home mortgages this year could also prove to be one of the most toxic to the unwary: low-down-payment, short-term "interest-only" adjustable-rate loans.

Look at Big Financial Picture Before Deciding How Fast to Pay off Loan [PDF file]
The Washington Post
Some factors to consider: How long do you plan to keep the house? Do you have other uses for this extra money? Do you ace children who will be heading off to college soon? What is your overall financial situation?

'Unforeseen Circumstances' Help Sellers Avoid Capital Gains Tax [PDF file]
The Washington Post
Selling your house because of a change in your place of employment, for health reasons, or for unforeseen circumstances, can affect your capital gains tax.

Why Your House Will Be Worth More [PDF file]
The Washington Post
Rising rates will slow some buyers, but forecasters predict a strong '04 - and give five reason why.

Do You Have Enough Homeowner's Insurance? [PDF file]
Marshall & Swift (a company that most insurers rely on for help on determining values) estimates that 64% of homes are under-insured by almost 30%.