Mike Hamel

Mike Hamel

Mike Hamel is the author of three business books and several articles about mortgage financing.

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Mike Hamel Free Articles

A Client, Not a Patient

While a patient is the object of medical care; a client is the subject of medical services. In language as in life, an object is passive, a subject is active.

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Cancer and Complimentary Medicine

A dose of humility is in order for medical professionals of every stripe. When it comes to medicine no one has all the answers; everyone is still practicing.

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Buying a Car: How To Lower Your Costs

When buying a car, the number one way to lower your cost is to get a less expensive vehicle. Today’s cars are better built, which means you don’t have to buy the top of the line to get a good deal.

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New Car Loan: The Price Is Right

When negotiating a new car loan, be wary of focusing only on the monthly payment. The total amount you will pay also depends on the APR and the length of the loan.

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Used Car Loan: Getting Your Money’s Worth

Deprecation will save you money on a used car loan, whether you buy from a dealer or a private party. But only one source is required to post a Buyers Guide.

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Teen Auto Loan Advice

Having a teen driver in the house can be a challenge, but getting an auto loan for them doesn’t have to be. However, be prepared for the additional costs that come with a young driver.

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Is a Subprime Auto Loan Right for You?

With today’s subprime auto loans, almost anyone can get auto financing; they just have to pay a little extra for the privilege.

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Car Loans For Bad Credit Buyers

Need a car loan but have bad credit—a FICO score below 620? You can still get a good deal if you do your homework and don’t believe everything you read.

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Finance a New Car: Tips from the Experts

An estimated 17 million new cars were bought last year at an average price of $27,800. Most of these new cars had to be financed, and over half of these loans were for five years or longer.

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Online Auto Loan Can Reduce Stress

Online auto loans have become popular in recent years. Not only do they make it easier to comparison shop for auto financing, it makes visiting the dealership a less stressful experience.

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Car Buying Versus Leasing: What To Consider

Leasing instead of buying has become more popular lately because of rising car loan rates. Edmunds.com says car leases were up 21 percent last year.

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Mortgage Financing and Adjustable Rate Mortgages

The main attraction of adjustable rate mortgage financing is that it is cheaper than fixed rate financing for the same size mortgage. This mean lower monthly payments and larger loan amounts for borrowers.

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Second Mortgage: Better Source Of Needed Cash

A second mortgage is a good way to pay for big-ticket items like home improvements, a college education, or debt consolidation. It has several advantages over other forms of credit:

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Bad Credit Refinancing: Making An Informed Decision

Refinancing could help improve a bad credit rating if you handle the money wisely. Refinancing is attractive because it usually has a lower annual percentage rate (APR) than other forms of credit.

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Home Financing: Choosing the Right Mortgage

Home financing options today range from traditional first and second mortgages to non-traditional “piggyback” and “interest-only” loans. Which is right for you?

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