Gina Pogol

Gina Pogol

Contributor

Guide to Money Questions Answered: 6

Gina Pogol has over a decade of mortgage lending experience, in addition to working as a business credit systems consultant for Experian. She has been certified to underwrite Fannie Mae loans and specializes in writing about business and finance issues. Gina earned her BS in Financial Management from the University of Nevada.

Recent Questions Answered by Gina Pogol

How do I Choose the Right Mortgage

Do you want the lowest possible payment at all costs? Do you want the stability of a fixed rate, no matter what? If refinancing, you might be looking for a lower interest rate. Or you may want to accelerate your mortgage payoff, fix an adjustable rate mortgage, Read More >>

How do I Know When To Refinance My Mortgage?

Refinancing takes time and money, so you can't realistically do it every time interest rates go a little lower, or just to have bragging rights at your next cocktail party. How, then, do you determine when a mortgage refinance makes sense? Try this step-by-step approach, and you'll find Read More >>

What Are FHA Home Loans?

FHA Mortgages: What They Are Congress created the Federal Housing Administration (FHA) in 1934, and it became a part of the Department of Housing and Urban Development (HUD) in 1965. FHA is the only government agency that costs the taxpayers nothing and gets all of its Read More >>

What Are Reverse Mortgages?

Reverse Mortgages: What They Are The reverse mortgage got its name from the fact that borrowers don't make regular monthly payments. Instead, the mortgage lender pays the borrower! Reverse mortgages were created to meet the needs of seniors who want to cash out their home equity, Read More >>

What Are VA Mortgages and How They Can Help Me Buy a Home?

VA Mortgage: What it Is The Veterans Administration (VA) began its home guaranty program in 1944 to help post-war veterans return to society. The VA doesn't fund its mortgages; however, its guaranty protects lenders against loss and allows veterans to obtain better Read More >>

What's a home equity loan and how can it help me?

Home Equity Loan: What it Is A home equity loan is collateralized or secured by your home, and may have a term ranging from 5 to 30 years. These loans are often referred to as second mortgages because the lender's position is subordinate to the first lender's. This Read More >>