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Have you been shopping for a good low interest mortgage on a house you intend purchasing? Most prospective home buyers are unaware of the factors in the lending process that can potentially sabotage getting a mortgage. Here are 7 ways you to avoid committing mortgage sabotage when purchasing a home: […]
How Your Mortgage Rate Is Affected By Your Credit Score
It’s no secret that your credit score can impact the interest rate on your mortgage. In fact, a 100-point swing could cost you or save you thousands of dollars. A high credit score along with your DTI (debt-to-income ratio) and your financial history will get you the lowest interest rates […]
3 Questions regarding Private Mortgage Insurance (PMI)
Are you confused about the mortgage insurance programs? Most homeowners already know about PMI or private mortgage insurance whereas most prospective home buyers may not be familiar with the term. PMI is a specific kind of insurance attached to a mortgage loan when the buyer (borrower) doesn’t put down at […]
6 Questions to Answer Before Submitting a Mortgage Application
After two years of living with the pandemic, the housing market is starting to heat up again. Many individuals want extra space in their homes. Unfortunately, with so many prospective buyers searching for a home, housing inventories are extremely low and the competition has never been more intense than what […]
3 Most Common Mortgage Scams and How to Avoid Them
There is just about every type of scam you can imagine in every industry sector that currently exists, including the mortgage industry. Homeownership is just one of many American Dreams that are a source of enjoyment and pride. However, the whole process is cumbersome and tedious. That is why it […]
Save Time and Money By Working With a Mortgage Broker
For many individuals, purchasing a home can be challenging since it is the single biggest investment they will make in their lifetimes. While the home buying process can often be a complicated and stressful process, a mortgage broker can relieve those issues so you have a more pleasant experience. Whether […]
4 Reasons To Consider a Non-Conforming Home Loan
Most of the standards that are followed by mortgage lenders are set by Fannie Mae and Freddie Mac, GSE’s or government-sponsored enterprises. Mortgages that meet all of these criteria are commonly referred to as “conforming” loans since they conform to the prescribed requirements. However, there are certain times when a […]
5 Housing Market Trends to Watch For in 2022
It’s safe to say that the housing market was agitated by the Coronavirus pandemic over the past year or so. Americans decided they wanted to go bigger and add space, home prices increased significantly, and interest rates plummeted to historical lows. After the record-breaking these past two years, we might […]
How to Lower Your Refinancing Costs
Refinancing your mortgage is similar to closing on your home with one exception – there’s no down payment. Depefnding on your current financial circumstances, the cost of refinancing might not outweigh the overall savings. Refinancing your mortgage could save you thousands or even tens of thousands of dollars over the […]
Best Time of the Month for Closing On a Home
There are several options you need to consider when choosing the closing date on your mortgage. However, there are 3 primary choices that will help determine how much your closing costs will be on your closing date and the impact on the timing of your first mortgage payment. This enables […]
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