--> Are discount points tax deductible? --> What does Prepaid Interest mean? --> Why do I have to obtain a new loan when all I want to do is lower my interest rate? --> What is an escrow account? --> Are lenders limited in the amount of escrow funds they can collect from borrowers? --> Can I pay my own taxes and insurance? --> What do I do if I receive a tax statement? --> Why did my mortgage payment amount change? --> What is an ARM loan? --> What benefits do I receive from Mortgage Insurance? --> How is interest calculated on a mortgage loan? --> Why does the title have to be cleared before I can get a mortgage? --> How much time will it take to close my loan (sign the loan documents)? --> What is an appraisal? --> How does the appraiser evaluate my home? --> What types of things will an underwriter look for when they review the appraisal? --> Will I get a copy of the appraisal? --> Are there any special requirements for condominiums? --> I'm purchasing a home, do I need a home inspection and an appraisal? --> I've heard that some lenders require flood insurance on properties. Will you? --> How long does it take for the property appraisal to be completed? --> What happens at the loan closing? --> What documentation will I be signing at the closing? --> Will I need to have an attorney represent me at closing? --> Can I get advanced copies of the documents I will be signing at closing? --> Who will be at the closing? --> I won't be able to attend the closing. What other options are there? --> Can I make my monthly payments with an automated debit from my checking account? --> If I apply, where will the closing take place? --> How long does the loan process take? --> Can Semper Financial refinance my current mortgage loan?

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