Loan Programs

Home Equity Loan vs HELOC: Pros and Cons

If you have equity in your home, you might be able to take some of the equity out of it. There are several ways to do this – refinance your first mortgage as a cash-out refinance; take out a home equity...

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Archives for January 2017

Does the Lender Pull Credit on the Day of Your Closing?

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You received your mortgage approval, you figure everything is good to go and you are free to do with your finances as you wish, right? Unfortunately, this can hurt you in the end. Lenders have gotten smarter with their ways, especially after the housing crisis. Now, not only do they recommend that  Read more

Mortgage Rates Rise So Do Mortgage Applications

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With the rise of mortgage rates comes a higher volume of mortgage applications, latest weekly surveys made separately by Freddie Mac and the Mortgage Bankers Association confirmed. On the mortgage rate side, the 30-year fixed mortgage rate increased for the first time this 2017. Meanwhile, mortgage  Read more

The Credit Score Flexibility of FHA Loans

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One of the best mortgage programs you can use as an alternative to a conventional home loan is an FHA loan. The FHA loan makes homeownership available to potential borrowers who:a) have no money to pay for the conventional 20 percent down payment or at the least the required minimum down payment  Read more

Why do You Need a Realtor for a New Construction Home?

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Building your own home from the ground up is exciting. You get to choose many aspects of the home right from the start that you otherwise could not do with an existing home. Remember, however, it is still a home purchase and possibly one of the largest investments you will make in your lifetime.  Read more

Does Refinancing Affect your Home’s Assessed Value?

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Owning a home means you have to pay certain things like a mortgage, real estate taxes, and homeowner’s insurance. It is a part of the responsibility of owning a home. Not to mention the maintenance and upkeep fees you continually have to pay to keep your home in good shape. Generally, your fees stay  Read more

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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.