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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Mortgage Rates, Guidelines and Lender Information

Last Year, Investment Home Sales Beat Vacation Home Sales

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Fewer vacation homes were sold while investment home sales soared last year based on the latest data from the National Association of Realtors’ 2017 Vacation and Investment Home Survey.At a glance, there were 721,000 second home sales made and 1.14 million investment homes were sold in  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

A Primer on Refinancing a Second Home

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Yes, it is possible to refinance a vacation home or a second home but things might prove to be more complicated and tricky than refinancinga regular residential property.For starters, many lenders are wary of refinancing nonowner-occupied properties because borrowers are more likely to default  Read more

What Streamlined Refi Programs are Currently Available?

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Rates have been on a steady hike after the historic US elections but Freddie Mac’s PMMS®results last week could just be the right signal for homebuyers and refinancers to lock in on rates. Not that it’s really necessary. With today’s record-low rates, and borrower-friendly mortgage programs, there  Read more

Can I Add a Co-Borrower to My Mortgage Without Refinancing?

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Can’t get a mortgage on your own? Why not add a borrower to your home loan? Getting a co-borrower is a strategic way to get your mortgage loan approved and indeed a more secure pathway to tackling the financial burden of homeownership. What is a Co-Borrower? A co-borroweris a someone who shares  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.