January 2016 - Mortgage.info

Loan Programs

Finding a Lender That Doesn’t Have Overlays

Did you know that lenders can add requirements to the actual loan program’s requirements? It’s called lender overlays and it’s common for FHA, VA, USDA, and conventional loans. The lender is the one that takes the risk with the loan. They...

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Archives for January 2016

Things to Know About the VA Home Loan

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Last year, the VA helped about 73,000 veterans avoid foreclosure.The VA home loan is still one of the only loans to offer no down payments. Today, VA home loans are available to more than 20 million veterans and active military members. As banks tighten lending standards the demand for VA home  Read more

FHA Loans Articles

What is a 203H Loan?

Victims of a natural disaster often lose everything, including their home. The FHA 203H loan helps these victims become homeowners again. The 203H

Important Articles

What is a 203H Loan?

Victims of a natural disaster often lose everything, including their home. The FHA 203H loan helps these victims become homeowners again. The 203H

Buying a Home Articles

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IMPORTANT MORTGAGE DISCLOSURES:

When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.