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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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Can I Buy a House by Assuming the Existing Mortgage?

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Assuming the existing mortgage is not a common occurrence today, but it still can happen. What this means is that you take over on the seller’s mortgage where he left off. It sounds simple, right? The fact of the matter is that there is a lot to do in order to assume the loan – you still have to  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.