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David Mully

171 Articles

David Mully is president and CEO of Lender Insider, a mortgage consulting firm. With 26 years in the mortgage industry, he has worked as both a mortgage loan officer and in the business-to-business sector of the industry. He is the former author of the weekly "Mortgage Search" column for Observer and Eccentric Newspapers. You can read his blog at http://www.lenderinsider.com/blog.

Refinancing after a bankruptcy
Mortgage

Refinancing after a bankruptcy

For a person with a mortgage looking to refinance after a bankruptcy, there's good news and bad news. The good news is that you can refinance your mortgage in as little as two years after filing for bankruptcy. The bad news is that two years seems like an eternity in our fast-paced world - and some loans require at least three years. But if you don't mind a little perseverance, discipline, and a two-year wait, here's how you can make it happen.

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 14 years ago | 2 minutes read time
An Overview of COFI Loans
Mortgage

An Overview of COFI Loans

COFI (pronounced coffee) stands for Cost of Funds Index. Such an index is used with certain types of adjustable-rate mortgages (ARMs) to provide a basis for how the interest rate on those loans is periodically changed to reflect current market conditions.

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 6 years ago | 3 minutes read time
Manufactured Home Buying: Four Essential Financing Tips
Home Purchase

Manufactured Home Buying: Four Essential Financing Tips

What do manufactured homes and cell phones have in common? Both started out as boxy and awkward, and then grew up to be sleek and surprisingly functional. Manufactured homes are still experiencing growing pains, however, so take care not to let the joke be on you when it comes to financing them.

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 14 years ago | 2 minutes read time