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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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

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

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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.