Loan Programs

Can You Get a HELOC Right After Purchasing a Home?

Purchasing a home is exciting. It’s also expensive. What happens if you need money right away? Can you take out a home equity line of credit? Do you have to own the home for a certain amount of time? We answer...

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Archives for February 2017

How to do a FHA Streamline Refinance on a Rental Property

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You know the FHA loan as an owner occupied loan program. You used it to purchase your existing home, but now you do not live there. If it has been a few years and you want to refinance because rates are low or because you are underwater on the home, you have options. You can even use the FHA  Read more

Things to Know When Buying a Foreclosed Property

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Buying a foreclosed property has many benefits, especially the lower price tag it usually carries. However, before you jump in headfirst into the transaction, you should know some things. Buying a foreclosure works differently than a standard home purchase. There are likely more restrictions you  Read more

Borrowing Money From a Paid Off House With Bad Credit

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You paid off your house a while ago and have enjoyed being mortgage free. However, in recent years you hit bad luck and ruined your credit. Now you want to tap into your paid off house and get some of that equity back in cash to help make ends meet. Is it possible with your bad credit? Refinancing  Read more

How to Qualify for a Second Home or Vacation Home Purchase

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You have worked hard enough in life that you decide you want to buy a second home. This is an exciting time! There is just something so different about owning a home you can vacation at rather than renting or staying in a hotel. The good news is the mortgage process is similar to the one you went  Read more

Does it Make Sense to Refinance to Get Rid of PMI?

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If you purchased your home with less than 20% down and you have a conventional loan, you pay PMI (Private Mortgage Insurance). The amount you pay is detailed on your mortgage statement. Chances are that it adds up to $100 or more per month.Unfortunately, you will never see a return on this  Read more

FHA Loans Articles

What is the FHA Self-Sufficiency Test?

If you plan to buy a 3 to 4--unit property and will use FHA financing to buy it, you’ll have to pass the FHA Self-Sufficiency test. Understanding the

Important Articles

What to Look for When Buying a House

If you are in the market for a house, you have a lot to think about. Not only do you have to worry about the home’s price, but you also have to worry

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.