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We offer over 30 mortgage calculators all of which are free, easy-to-use, interactive and empowering for borrowers. Review our full mortgage calculator offering below including qualification, government mortgage program, refinance, mortgage comparison and mortgage acceleration calculators.
- Mortgage Qualification Calculator
Use our free mortgage Qualification Calculator to determine...
- Monthly Gross Income Calculator
Gross Income and Mortgage Qualification. Lenders use your...
- Mortgage Qualification Calculator
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FREEandCLEAR provides mortgage rates, resources, calculators, programs and trusted advice that empower you to find the mortgage that is right for you.
How Much Home Can I Afford Calculator- Get Pre-Approved Realize the benefits of getting pre-approved for your mortgage
- First-Time Buyer / Low Down Payment Programs
- MORTGAGE CHEAT SHEET
- Mortgage Refinance Calculator
- Reasons to Refinance Learn when it makes sense to refinance your mortgage
- Best Ways to Take Cash Out of Your Home Compare your options for tapping the equity in your home
- FHA Cash Out Refinance Understand the benefits of an FHA cash out refinance and learn if you are eligible
- Cash-Out Refinance Calculator
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- What Does Free and Clear Mean?
- Understanding Free and Clear
- How Free and Clear Factors Into Financing
- Pros and Cons of Free and Clear Ownership
- Special Considerations
Free and clear is a slang phrase describing the situation of someone who gains outright ownership of an asset: That is, it is completely paid off and no creditor has a claim on it. It most frequently applies to real property.
The phrase "free and clear" is often used when speaking of real estate. It can be a reference to the state of a mortgage. If a homeowner's mortgage is completely paid off and the debt is retired, then the homeowner is said to own the residence "free and clear." In the case of a home or building that's up for sale, before the deal can close, the pro...
If a homeowner holds their property free and clear, they could make seller financing an option to potential buyers in order to complete the deal. Under such an agreement, the buyer would pay an agreed-upon down payment followed by regular payments to the current owner. Buyers of property who have the capitalavailable might choose to pay cash to pur...
Because it's synonymous with being out of debt, free and clear is usually seen as a positive thing. You no longer have interest to pay. When owned outright, your property is better able to serve as collateral for loans or other financing/investment ventures, too. However, there are a handful of tradeoffs in owning a property free and clear. For exa...
The term "free and clear" also sometimes appears as part of an incremental loan facility, a provision in a loan or financing arrangement that allows a borrower to expand the maximum amount allowed on a line of credit (LOC), or to add a term loan to an existing credit agreement. In these deals, there's such a thing as a free and clear or freebie bas...
- Julia Kagan
Jan 21, 2024 · Owning a property free-and-clear gives financial and legal freedom. Homeowners who own their home free-and-clear can sell their home, refinance it, make repairs, and lawfully use their property how they desire.
People also ask
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Our mission at FREEandCLEAR is to empower people to make better decisions and save money when they get a mortgage. We accomplish our mission by providing high-quality, comprehensive content and tools including guides, mortgage calculators, mortgage expert insights and video tutorials.
