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Paying off your mortgage might seem like a dream come true: no more payments, no more interest and owning your house in full. Who wouldn’t want all of that? While those are undoubtedly big perks, paying off your loan can also have drawbacks, especially if you do it ahead of schedule. Are you considering paying …
New Trending Ideas For Kitchen Design The kitchen is the heart of a home. It’s where you cook family meals, bake birthday cakes and enjoy countless hours spending quality time with your loved ones. So, whether you’re buying a new house this year or just looking to update your existing one, you’ll want to make …
How and when you can use gift money as a down payment on your new home. Down payments can be a big hurdle when buying a home. In fact, nearly a third of first-time buyers received money from friends or relatives to source their down payment. Are you considering a similar move? If so, proceed …
Home equity is the stake in your home you actually own. The more equity you have, the more you stand to gain when it’s time to sell later on. You can also tap home equity via loans or lines of credit when you need to pay for home improvements, medical bills, college tuition or any …
How Does a Rate Lock Work? Mortgage rates are near all-time lows right now, but that doesn’t mean they’ll stay that way forever. That’s where a rate lock can come in. Rate locks guarantee you a certain mortgage rate for an extended period, protecting you from the possibility of rising interest rates while you complete …
Understanding Mortgage Insurance Can help you better prepare for the cost of owning a home . What is mortgage insurance and who benefits from it? I am often asked, “will mortgage insurance payoff my mortgage if something happens to me?” And while you can buy that kind of insurance, when lenders refer to “mortgage insurance” …
What Homebuyer’s Need to Know About Mortgage Insurance Read More »
Understanding the Mortgage Process If you are considering a home purchase, you have probably heard that getting pre-qualified for a mortgage is an important step in the buying process. But what does a pre-qualification require, and does it differ from being pre-approved? On paper, the terms “pre-qualified” and “pre-approved” seem to be interchangeable. However, when …
Explaining the Mortgage Process, from “Pre-Qualification” to “Pre-Approval” to Closing Read More »
Purchasing a home is arguably one of the largest most important financial transactions a person will make in their life. So, you might be surprised to hear that the Consumer Financial Protection Bureau estimates nearly half (47%) of consumers do not shop around for their home loan – they simply obtain their mortgage through whomever …
For a Mortgage Lender, Should you choose a Banker or a Broker? Read More »
Mortgage Rates Are Great, But Some Underwriting Rules Are Getting Tougher In the latest mortgage lending response to COVID-19 Fannie Mae and Freddie Mac have issued temporary lender guidelines for self-employed borrowers seeking a mortgage loan. What are these new guidelines, and how might they impact potential purchasers (or refinancers) who are self-employed? Fannie Mae, …
Basic facts about student loan you should know. Not sure how you (or your kids) will pay for college? You might be planning on a combination of savings, scholarships and grants, but it doesn’t hurt to understand your options for student loans too. Where can students get a loan Federal loans — Federal government loans …
