In December of 2012, my Ask Roxanne column reached its three-year mark with my 450th column!

I want to say a big "Thank You" to all of you for sending in such interesting questions (my biggest problem is deciding which ones to reprint for the column and post here on the website).  It has certainly been a unique experience for me, and I hope a rewarding one for all of you who tell me you read this column regularly. 

To read my most recent columns, please click here:

A bit of history: 

The Ask Roxanne columns originated back in 1999, appearing in the San Luis Obispo Telegram Tribune newspaper (now known simply as The Tribune).  I started doing the column because I was receiving so many interesting questions from local people regarding mortgages.  I quickly discovered there was a need for basic, simple-to-understand explanations for the complex and often confusing procedures involved in obtaining or even choosing a residential mortgage.  Initially, the questions were fundamental, maybe covering things like "What's the difference between a fixed rate and an adjustable rate?" or "What is an APR?"  and "What is a credit score?"  Since then, many of my readers have become more involved and educated on the subjects, possibly due to developments in the mortgage loan field, and are asking more technically astute and sometimes extremely complicated questions.  It has become an interesting endeavor.

Along with answering most of the questions I receive, I write general articles about topics I feel are pertinent to the times.  My columns are listed in the FAQs section, divided by subject.

If you have a particular question, please email me at the link below.  Please be as thorough as you can when you submit a question, as it may help me determine your answer, particularly if it's specific to a certain part of the country. And if your question is one that would benefit many others, it may be added to the FAQs section. 

PLEASE NOTE: You will most likely get a personal return email with your answer, but be very patient as it can take several weeks for me to answer.  I get many inquiries every day.

Disclaimer: These articles are a forum to explore real estate principles.  They are not intended to provide tax, legal, insurance or investment advice and should not be relied upon for any of these purposes. The mortgage industry is changing all the time, and some of the answers listed in the FAQ section were accurate at the time they were written, but may not be now. Please contact me again if you feel an update is needed or consult with a mortgage professional in your area to help find current information for you.

**NOTE BEFORE SENDING THE FORM**  Please DO NOT send questions about CO-BORROWING OR REMOVING A CO-BORROWER OR YOURSELF FROM A MORTGAGE without first reading all the appropriate FAQs that are listed for these subjects. I receive numerous questions about this and similar subjects, so please take a few minutes to check the FAQs the section (to go to the FAQ section, please CLICK HERE). Your question may have already been asked and answered.  You may also find additional information in your subject category that will help in your search for information.  ALSO, PLEASE DO NOT SEND INQUIRIES THAT REQUIRE LEGAL ADVICE.

Thank You!

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Thank you,
Roxanne