AnnZeilingold.com

Welcome to AnnZeilingold.com!

Welcome! Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want you to feel comfortable calling us at any ...

8 Questions Your Lender Should Answer About Mortgage Rates

   Simply checking online for today’s posted rate may not lead to your expected outcome, due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach co ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-Income ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


Are All Underwriters the same?? What should you do if you get DENIED.

Are All Underwriters the same??  What should you do if you get DENIED.  This is the fear everyone who applies for a mortgage has.  You read and hear the horror stories. If you get denied for a loan what is your recourse?  The answer depends on what type of lender you have applied for your loa ...
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Did I Commit Fraud on My Mortgage Application?

It came to my attention recently that it appears many folks possibly aren't being taught properly what you, as the borrower should, and more importantly, should NOT be doing, before, during and after the mortgage application process. Here’s some important information with regard to potential fraud ...
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A Refinance Story

Margie called me to help her with the refinance of a home she lived in her entire life. In 1965, when her parents originally bought the house, her father wasn’t yet legal in this country, so her mother and her aunt (her mother’s sister) bought the house together. Margie, her brother Joel and their parents lived in the house together. Eventually ...
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Common Mistakes First-Time Homebuyers Make

The mortgage process is an extremely tedious and detailed process. Some first time homebuyers don’t realize that their normal day-to-day actions regarding their employment and bank activity can cause undue stress when applying for a mortgage. Some examples: Large deposits: Every deposit into ...
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Home Buyers Face Decisions that Affect Their Long-Term Financial Picture

Seek a Qualified Mortgage Consultant to Ensure the Best Results Home Buyers Face Decisions that Affect Their Long-Term Financial Picture Taking the step into home ownership is one of the most important financial decisions a person will make in a ...
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Is It Time to Refinance? Three Questions to Consider.

So you've read that interest rates are near historic lows and you want to figure out if you can refinance. Financing has become significantly harder to do and more expensive in the past few years, thanks to the financial crisis. But refinancing is still possible and may make financial sense. In t ...
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Baby Boomers Retire - Reverse Mortgages Gain Popularity

Born between 1946-1964, the generation known as the Baby Boomers will begin to retire in large numbers, substantially shrinking the labor force in the US. As a result, Social Security, Medicare, and other government programs will be significantly affected over the next several years. In fact, the So ...
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Life After Bankruptcy

Bankruptcy is an uncomfortable subject for a variety of reasons. The most obvious is the potential havoc it can wreak on your finances. Running a close second is the negative stigma that is often attached to the process. This negativity is important to mention because strong emotions can sometimes lead to unsound financial decisions with devastatin ...
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