Loan Programs

Alternative Loan Options to a Cash-Out Refinance

If you need cash and you have equity in your home, you may automatically turn to the cash-out refinance. Did you know that this isn’t your only option, though? There are other ways you can get the cash you need that...

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Mortgage Tip: Creating Opportunity Out of Obligation

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How can you make the best out of your mortgage? Let us count the ways. Most people think of loans as no more than financial obligation. If given a choice, we’d rather be debt-free - and for good reason. But while we revel in the thought of a life without due dates, having a loan actually has some  Read more

Rates Still on the Fall?

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Last week, we reported a 7-base point decrease in average rates for the 30-year fixed-rate mortgage. But it doesn’t seem to be the conclusion, or at least not what we expected. For the third consecutive week, 30-year FRM rate dipped, now setting another year-low record according to Freddie Mac's  Read more

Does it Make Sense to Refinance After 50?

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Of course, you are not restricted from refinancing when you’re over 50. The question lies in whether it is practical or not. For many, being near their retirement years isn’t really a good time to restart a debt anymore. Many individuals wish to be preparing for their golden years when they reach  Read more

How Much of Your Income Should Go to Your Mortgage?

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Your debt-to-income ratio will help answer that question. This metric measures the percentage of your monthly income that should go toward your mortgage backing your first home purchase that is affordable for you. Mortgage reforms encapsulated by the Dodd-Frank Act aim to help you and other  Read more

A Mortgage Rate Buydown Is One Way to Lower Your Rate

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Working towards getting a lower rate is a common goal when buying a home or refinancing an existing mortgage. One way to do that is by buying down your mortgage rate. If done right, your mortgage rate buydown could save you on monthly payments and pay less interest throughout the life of the  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.