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Follow These Tips to Avoid Overpaying for Your First Home

Buying your first home is exciting! But before you jump into that purchase, you should know a few tips to stop you from spending too much. Research shows that first-time homebuyers spend more money on a home than experienced buyers.Compare Offers...

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What Does the New Year Hold for HELOCs? Projections, Rates in 2018

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Some news sites and even past reports claim about HELOCs gaining traction this 2018. To be fair, home equity lines of credit are a perennial favorite among homeowners to get cash out of their equity or simply have standby funds for the rainy day.Still, it begs the question of what makes 2018 a  Read more

1.5-Mil. HELOCs Face Reset This Year, Payments to Go Up

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Approximately 1.5 million homeowners have home equity lines of credit or HELOCs whose interest-only draw periods will end this year. The payments on these lines of credit will revert to fully amortizing and could double, according to Black Knight Financial Services.Refinancing or purchasing? Let  Read more

All About Second Mortgages

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Any and all mortgages taken out after or simultaneously with the first mortgage are called second mortgages. They are especially potent in environments where home prices are rising because that would mean more equity to borrow against. Second mortgages serve several purposes and appear in a variety  Read more

Home Equity Matters: Cash-out Refinance or HELOC

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Your home contains an important source of funds that you can tap however you want, your home equity. Both cash-out refinance and home equity line of credit allow you to do that but offer differing ways to accomplish that goal. How would you like to receive your equity: in cash through a refinance or  Read more

Home Equity Loan vs HELOC – Which is Better?

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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 loan; and take out a home equity line of credit. The first mortgage refinance would leave you  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

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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.