Expert Opinion
Liz Freeman Articles

Liz Freeman has more than a decade of mortgage lending experience. In addition to this, she has worked as a tax accountant for Deloitte and a systems consultant for Experian. Liz earned her BS in Financial Management from the University of Nevada. She writes about mortgage and finance issues and is a regular contributor to Mortgage News Daily and other publications.
- HAMP 2.0: Are Principal Reductions a Better Deal?
- Latest Iteration of Mortgage Help Targets Jobless
- Refinancing Home Loans: Three Mistakes to Avoid
- New Good Faith Estimate: Are Mortgage Quotes More Reliable?
- Mortgage Insurance Getting Cheaper for Some Borrowers
- The Best Mortgage Rate Isn't Always the Best Deal
Joe Taylor Articles

Author Joe Taylor Jr. researched America's biggest mortgage lenders hands-on, by taking a job inside the home loan industry. As a corporate trainer, Joe developed front line service strategies for some of the country's most prominent banks. He taught lending consultants how to explain the complex home loan process, while learning the secrets of finding the best refinancing deals from experienced underwriters. Today, Joe puts the current mortgage market into context by separating facts from hype in his columns and feature articles on ShopRate.com.
- Three Real Strategies for Upside-Down Mortgage Loans
- How Some Homeowners Are Dealing with Underwater Mortgage Loans
- Forensic Loan Audits Don't Guarantee Refinance Deals
- Mortgage Rates Affected by Appraisal Industry Changes
- July Mortgage Rates Spur Refinance Deals
- Should I Skip Mortgage Loan Payments to Qualify for a Cramdown?