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How Do You Shop Around for a Mortgage?

December 20, 2021 applying for a mortgage, buy a home, closing costs, credit histories, credit report, credit scores, credit union, fha loans, fico scores, home loan, homeowners insurance, life of the loan, loan amount, loan estimate, loan offers, loan products, loan term, mortgage brokers, pre approval, rates and fees

Does shopping for a mortgage get your nerves in a tangle or give you little fizzes of excitement?  The reality of shopping for a mortgage is that it will feel different than poking through online listings, driving around suitable neighborhoods or talking through real estate “how-tos” with a real estate agent. Shopping for a mortgage […]

Debt-to-Income Ratio: What is it and How is it Used by Lenders?

December 20, 2021 auto loan, calculate your debt, calculating your DTI, child support, credit card debt, credit card payments, credit cards, credit report, credit score, credit utilization ratio, debt consolidation, financial health, gross monthly income, high interest, monthly bills, mortgage lenders, mortgage payments, personal loans, products and services, qualified mortgage

When you are thinking about buying a house, you’re probably envisioning the memories you’ll make in your new home, the great family dinners and nights hanging out with friends. Your thoughts may not initially stray into terms like “debt-to-income (DTI) ratio” or “credit score.” You will be more familiar with terms like these as you […]

When Does a Mortgage Pre-approval Expire?

October 31, 2021 apply for a mortgage, bank statements, buy a home, buy a house, check your credit, credit card, credit report, credit score, home buyers, home loan, Interest Rates, loan amounts, mortgage lender, offer on a home, pay stubs, pre approval letter, shop for a home, tax returns, terms and conditions

Can you think of one of the earliest and most important steps involved in getting a mortgage? If you guessed getting a mortgage pre-approval, you’re right. You may think that getting a pre-approval involves mounds of paperwork and a deep inquiry into your financial situation. However, you might be surprised at how quickly you can […]

How to Calculate Debt-to-Income Ratio (DTI) Yourself

October 21, 2021 applying for a mortgage, auto loans, calculate your debt, calculating your DTI, credit card debt, credit card payments, Credit History, credit report, credit score, front end ratio, gross monthly income, monthly debt payments, monthly mortgage, monthly payment, mortgage lenders, percentage of your gross, personal loans, qualified for a mortgage, student loans

When you first thought about purchasing a home, you probably jumped online to do some basic research. You may have wondered about what information you need to share with a lender or mortgage broker to buy a home. Here’s one piece of the puzzle: Lenders want to verify that you have a good debt-to-income (DTI) […]

What is a Mortgage? A Guide for Beginners in 2022

September 29, 2021 adjustable rate mortgage arm, adjustable rate mortgages, adjustable rates, borrow money, buy a home, credit report, credit score, fha loans, fixed rate mortgages, home loan, homeowner insurance, monthly mortgage payment, mortgage is a loan, mortgage rates, private mortgage insurance, purchase a home, purchase price, real estate, repay the loan

Getting a mortgage may seem like a complex task with many layers and steps involved. However, the first step to breaking down the process involves answering the most basic question: “What is a mortgage?” Understanding the very basics of mortgages may help you gain more confidence as you search for your dream home. We’ll walk […]

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Morty is a licensed mortgage broker. NMLS ID # 1429243. NMLS Consumer Access. All loans originated by Morty are funded by third party lenders. Morty, Inc. is authorized to do business as “Morty” in certain states. Morty is an equal housing lender.

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