Home Mortgage Loans and Credit Center

American Home Guides home mortgage loan and credit center is a new resource for checking your credit for free and getting tips on how to get the best home mortgage loan when buying a new home.

Mortgage Payment and Interest Calculators

• Free Mortgage Calculator - to calculate monthly new home payments
• Calculate Current or Future Income - estimate gross and net income payments
• Compound Interest Calculator - how much in interest will you spend over the life of your new home loan?

We are building useful tips, articles and guides about repairing and preparing your credit before applying for a home mortgage loan. A small difference in your credit rating or FICO score can have a big impact on your cost over the life of a loan.

Buyers Benefit From New Home Incentives, Rebates and Discount Offers

The laws of the real estate jungle are simple. Supply and demand. Now that there is such a surplus of homes, compared to the number of buyers in the market, new home builders, Realtors,and sellers are offering enticing incentives to help move the stagnant market surplus. Find out what are the best deals for home buyers. Continues here ››

Credit Building Tips for New Home Buyers

Credit scores are one of the most important public records you carry with you through life and impact nearly every financial move you make. But how do you build a credit history if you don't yet have one? For the first-time home buyer, creating or improving a credit history is often a concern. We've gathered some ways to build or repair a credit profile. Continues here ››

How Your Credit Score Can Affect Your Mortgage Payment

One of the most rewarding accomplishments you can achieve is buying your own home. Knowing that all the rent you have been used to paying out can go into securing a home where you can settle in comfortably and raise a family. A place where your children are free to wake up every morning and know that it is their home and they will be there for a long time as they go through school, play with their friends, and experience all of the things they want to.

There is more to wanting to buy a house, though, than just the dream. Proper planning of your future to be in a position to buy a home requires a lot of dedication, responsible buying and lending habits, and a strong commitment to keeping your eye on the prize.

Home Loans Options for Those with Bad Credit

For those with bad credit, getting a home mortgage loan can be difficult and expensive. Look out for lenders who promise the moon to poor credit customers, and follow these basic steps to get on the road to safe and affordable home ownership. Continues here ››

Moving Checklist - Tips for a Successful Move

Whether you are moving across town or to another state, moving a household can be an experience full of frustration, irritation, and confusion. Trying to remember all of the things that need to be accomplished before, during, and after your move can be daunting and chances are that in the heat of the moment, some items that need to be accomplished will be forgotten. That is why it is a good idea to use a checklist for a successful move -- and use it during the moving process. Here is a checklist can really help you stay organized and get things done! Continues here ››

President Obama Offers Help for Foreclosures

Foreclosure rates are increasing at an alarming rate. With the economy in a downward spiral, America's leader, President Obama, offers help for those facing foreclosure. Find out what government assistance is available to help homeowners from loosing everything in today's sinking real estate market. Continues here ››

Real Estate Market Trends Say “Buy Now!”

Housing trends have been negative for quite some time. Now there is indicators showing improvement in home sales. Is it a good time to buy? Yes! Stop hesitating and get in the real estate game while home prices are at an all time low and mortgage rates are down too. Continues here ››

The Basics of Refinancing a Mortgage

If you look at it, refinancing is a new loan to pay for the old home loan and other loans. In the case of a home loan, refinancing offers the opportunity to switch to a lower interest rate; with your other loans, you get the advantage of bunching all your debts into one big loan to be paid with your refinance money. Continues here ››

The Top 10 Ways To Improve Your Credit Score

The ripples of a pebble on the water’s surface are evidence of its actions. The ruptured area radiates with proof of the rock’s exploits. Credit works in a similar manner. It radiates as proof of your financial actions entered into for all to see. It leaves a tide of effects on the surface of your financial future that can either help or hinder the home buying process. If your ripples mark the struggle to maintain a positive credit score, there are 10 ways to smooth out your credit in a relatively short amount of time. Continues here ››