Please select a question from this drop-down list. I’ve had problems with my credit in the past. Can I still get a mortgage? What are the closing costs associated with a loan? Why do some loans have a prepayment penalty? How much does PMI cost? Bills, bills, bills… it seems I can never get caught up with all of my payments. What should I do? Why do some people consider biweekly mortgages? How do I know that it is safe to apply for a mortgage online? Why is my APR higher than the rate I was quoted? When should I apply for a loan? When should I lock-in my rate? What is a FICO score? Why should I refinance? I see all sorts of rates quoted in the newspaper. Why are there so many different rates? What are points? Do I want to pay points? What is an escrow account? Do I need to have an escrow account? What is title insurance? Do I need to have it? What is PMI? Do I need to have it? Do I need homeowner’s insurance? Why should I get prequalified? How long does the mortgage process take? How much can I afford? How do I choose the right mortgage? How do I know if I should rent or buy? What do I need to apply for a loan?