Kirk Haverkamp Icon

Kirk Haverkamp

211 Articles

is the editor and chief staff writer of MortgageLoan.com.  An award-winning reporter and editor with more than 25 years' experience in journalism and public relations, his background includes covering community affairs for the Romeo (Mich.) Observer newspaper and writing about natural resources issues for the Great Lakes Commission in Ann Arbor, Mich. before joining MortgageLoan.com. He's also a contributor to Credit.com, Investopedia and the MetroMode online magazine chain, among other work. He has a B.A. in English from Hope College and a Master's Degree in journalism from Michigan State University.

Details Hazy on Obama Refi Plan
Mortgage

Details Hazy on Obama Refi Plan

A program to help homeowners save $3,000 a year by clearing away obstacles to refinancing was proposed by President Obama in last night's State of the Union address. What isn't clear is how that plan might work.

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 9 years ago | 2 minutes read time
Proof of Income for a Mortgage
Mortgage

Proof of Income for a Mortgage

Income verification is a basic part of applying for a home loan. But there's more to providing proof of income than just handing over a couple of paystubs. You need to be able to show your earnings are stable. When making a down payment, you may have to be able to show the source of that money as well.

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 7 years ago | 4 minutes read time
Lender Mortgage Frauds: Flipping, Skimming, Straw Buyers & More
Mortgage fraud

Lender Mortgage Frauds: Flipping, Skimming, Straw Buyers & More

Mortgage frauds generally fall into two broad categories - lender frauds and consumer frauds. Lender frauds seek to take advantage of the bank, credit union, mortgage company or other lender that provides the mortgage. This is commonly done by misrepresenting one's eligibility for a mortgage or attempting to illegally extract money from the mortgage/real estate transaction process.

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 4 months ago | 5 minutes read time
RHS - Rural Housing Development Loans
Home Purchase

RHS - Rural Housing Development Loans

Applying for a mortgage can sometimes prove complicated. However, there are many different programs that one may be eligible for. You first need to gather information about the qualifications and guidelines for programs such as the Rural Housing Development Loan program. Interest rates can be different with different lenders along with the qualifications and guidelines from one lender to the next.

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 4 months ago | 2 minutes read time