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Confused by all the Mortgage Options? Heres Help (ARA) - Fixed rate. Adjustable rate. Interest Only. Flex. All of the different types of home loans that are available these days can puzzle many homebuyers. But, say mortgage experts, virtually every home loan is one of two types: a fixed rate loan or an adjustable rate loan. Are You in the Right Mortgage? (ARA) - Most people who buy a home put their mortgage in a drawer -- they close on the loan and make their payments every month and dont think about it beyond that. But what they may not realize is that being in the wrong mortgage for your current situation can hurt you by costing you money. How to Avoid Mortgage Insurance with a Small Down Payment (ARA) - If youre in the process of buying your first home, one of the most important decisions youll make is how much money to put down. Since most people just starting out dont have a lot of cash, they tend to make a small down payment. The lasting brilliance of building energy efficiency into a new home About two years ago, when Kevin White and his wife, Tricia, were searching for a new home, the last thing on their minds was energy efficiency. Like most new-home buyers, their interest was in more aesthetically pleasing features. Paying points is a bad idea unless you keep mortgage Pay points or not? Anyone who's ever shopped for a mortgage has faced the question – and borrowers who expect to stay in their homes for some time generally have been advised to pay points in order to get a lower mortgage rate. How to Finance a Fixer-Upper Home (ARA) - A home that needs a lot of repair is whats known as a fixer-upper because it needs to be fixed up. There are several reasons you might buy a fixer-upper. The Home Buying Process: Step by Step (ARA) - Buying a home can be a very intimidating process, especially if youve never done it before. So the first thing you should do before you start is to figure out whether owning a home is right for you. Dont overlook tax break of mortgage points If you have ever taken out a mortgage, you probably already know of the tax advantage provided by deducting your mortgage interest payments. What Every Home Buyer Should Ask Themselves (ARA) - Buying your first home can be a stressful experience, and considering it will most likely be the largest single purchase of your life, its smart to be educated about the process. Home BancShares, Inc. Announces Record Net Income for 2006 CONWAY, Ark., Jan. 18, 2007 -- Home BancShares, Inc. today announced record net income for the year ended December 31, 2006 of $15.9 million, a 39.1% increase over net income of $11.4 million for 2005. | |||