home loan

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 […]

What is Cash-Out Refinancing and When is it a Good Option?

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What would you do with some extra cash in your pocket? Wipe out your credit card debt once and for all? Update your kitchen? Finally finish your basement? Pay off high-interest student loans or personal loans? Refinancing your mortgage with a cash-out refinance means you might get to check off all the boxes on your […]

How Much Down Payment to Buy a House?

November 29, 2021 20 down payment, buy a home, buy a house, closing costs, conventional loans, department of veterans affairs, fha loans, home loan, loan amount, loan programs, minimum down payment, monthly mortgage payment, mortgage loan, payment amount, payment loan, payment requirements, private mortgage insurance pmi, put 20, real estate

When you want to buy a home, you may not know all the details involved, including how much of a down payment you need. When it comes to mastering a task, such as learning to ride a bike or learning about investments, someone may have taught you. It’s the same with buying a house, so […]

Buying a House in 2022: A Step-By-Step Guide

November 20, 2021 buying a home, conventional loan, credit card, credit reporting, credit scores, fha loans, home appraiser, home buyers, home buying process, home inspection, home inspector, home loan, homeowners insurance, Interest Rates, monthly payments, mortgage payments, perfect home, purchase price, real estate agents

We know that buying a home can seem like a daunting and emotional task. After all, you want to make sure every detail fits the bill: the neighborhood, commute and possibly school districts. You may even want to make sure you’re close to your favorite grocery store. In short, everything needs to match up to […]

What is an Appraisal? Everything You Need to Know

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You may find it challenging to add “buying a home” to your to-do list — there’s a lot to think about, from juggling purchase prices to picking the right neighborhood for you. We’ll help you streamline the process. To start, here’s a quick question: When you’re buying a home, can you guess one of the […]

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 Your Mortgage Payment

October 7, 2021 20 down payment, buying a home, closing costs, credit cards, credit score, debt to income ratio, fixed rate mortgage, home loan, home price, loan amount, loan term, monthly mortgage payment, mortgage calculator, mortgage lender, mortgage loan, number of years, payment calculator, principal and interest, real estate

When shopping for your mortgage or refinancing your mortgage, one of your top-of-mind questions probably sounds a lot like: “What will my monthly mortgage payment be, and how will it fit into my budget?” Your loan amount, principal, interest, term and more play into your monthly payment amount. You will want to feel comfortable making […]

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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