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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How to Properly Write a Letter of Explanation for a Mortgage

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If everything on your mortgage application isn’t textbook material, it’s fairly certain that you’ll receive a request for a Letter of Explanation. Just what is this letter and how do you write it?Keep reading to learn the specifics you must know in order to get the mortgage approval that you  Read more

The Top Compensating Factors for Mortgage Approval

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Lenders have guidelines you must meet in order to obtain an approval. However, sometimes they are able to grant exceptions for things like a high debt ratio or low credit score when you have compensating factors. What are Compensating Factors? Compensating factors are things that go above and  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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Mortgage Refinance 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.