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Should You Do a Cash-out Refinance to Pay Off Your Student Loans

According to Business Insider, student debt in the United States is over $1.3 trillion and more than 70 percent of college graduates have student debt. When you combine student debt with mortgage payments and all other daily expenses, many consumers feel...

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Finding a Lender That Doesn’t Have Overlays

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Did you know that lenders can add requirements to the actual loan program’s requirements? It’s called lender overlays and it’s common for FHA, VA, USDA, and conventional loans. The lender is the one that takes the risk with the loan. They underwrite and fund the loan. Sometimes they tighten up the  Read more

Lenders Loosen Credit Standards Amid Tougher Competition for Fewer Mortgages

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If you can’t beat them, join them. Mortgage lenders reportedly eased their credit standards, and will likely to do so, bracing for a tougher competition when mortgage demand is declining.Fannie Mae’s Mortgage Lender Sentiment Survey® for the quarter ended June 30, 2017 reported that the number  Read more

FHA Conventional Refinance: A Switch From Conventional to FHA Loan

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FHA homeowners have several options when refinancing their existing insured mortgages. Not to be left out, homeowners with non-FHA insured loans can refinance into FHA loans, known as “conventional refinance”. Those with conventional home loans can think these benefits of an FHA conventional  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.