Loan Programs

How to Avoid PMI Without Putting 20% Down

If you don’t put 20% down on a home, you’ll pay mortgage insurance in some form. If it’s a conventional loan, you pay PMI. If you opt for a government-backed loan, like the FHA or USDA loan, you pay annual insurance...

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Purchase Mortgage Battle: 30-Year FRM vs 5/1 ARM

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Both the 30-year fixed-rate mortgage and 5/1 adjustable-rate mortgage are payable in 30 years. That’s their only common ground; both loans are structured differently because of their interest rate type. Surely, the 30-year FRM has its strengths (and weaknesses) as does the 5/1 ARM. Which purchase  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

Mortgage Rates Are Low Again, Should You Refinance?

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As of January 19th, the 30-year mortgage rate averaged 4.09% from the prior week’s 4.12%. The results of Freddie Mac’s latest weekly survey on mortgage rates mark the second week they’ve dipped lower. And when rates are low, the question of refinancing is in order. Will rates remain low to merit a  Read more

Is Refinancing Into a 5/1 ARM for You?

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Mortgage rates welcomed 2017 with a bang or a breather for homebuyers and refinancers. As of January 5, 2017, mortgage rates on 30-year FRMs slowed down to 4.20% while 5/1 ARMs moved slightly to 3.33%. With almost a percentage-point difference, a 5/1 ARM is still lower compared to a 30-year FRM. Is  Read more

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Buying a Home Articles

Advantages of Buying a Condo

There are more decisions to make when buying a house than just the location. You also have to decide what type of house you want. Do you want a single  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.