Loan Programs

How Do Seller Closing Costs Affect You?

Selling a home does not come free as many people think it does. In fact, sellers pay a large chunk of change when they sell their home. Does this affect you as a buyer? Essentially, the seller helps to pay some...

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Construction Loan 101

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Many individuals dream of building their own dream homes. Unfortunately, not all has the money to pay for house construction in cash. Getting a mortgage directly is difficult since lenders cannot place their investment in a property that is not even yet in existence.Good thing a construction  Read more

Refinancing a Construction Loan

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A construction loan is a favorable loan option for those who want to build a new home or renovate an existing property. These specialized loans are short-term and usually paid interest-only during the loan term which is typically a year at maximum.The proceeds of a construction loan are not  Read more

Why is it Risky to Take a Stand-alone Construction Loan?

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Building a house is such an exciting time. You get to pick the options and basically draw up the blueprints alongside the architect. There is nothing that can compare to creating your custom house. The downside to this building method, however, is the financing that is involved. You have to come up  Read more

What are the Credit and Income Qualifications for a Construction Loan?

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A home construction loan is a completely different type of loan than any other home loan. Lenders are taking the risk of providing you with funds for a home that is not built yet, which means that there is very little collateral involved in the process. The case is even riskier if you do not own the  Read more

FHA Loans Articles

Important Articles

Owner Financing: How Does It Work?

Sometimes you have more option than strictly obtaining financing from a lender. Owner financing offers you the opportunity to obtain financing

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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.