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loan types

The ABCs of ARMs: How Adjustable-Rate Mortgages Work

May 31, 2022 affordability, First Time Homebuyers, loan types, mortgage, mortgage basics, rates

“Pre-crisis, a range of other variable-rate loan products were all being offered widely to consumers with little to no advisory,” notes Robert Heck, Vice President of Mortgage at Morty. “Many people have been understandably skeptical of ARMs since then, but there are much more stringent regulations in place today that have been created to protect […]

What is Mortgage Insurance and How Does it Work?

April 12, 2022 credit, credit score, down payment, First Time Homebuyers, loan types, mortgage basics

So, what is mortgage insurance — and how do you know if you must pay it?  In this article, we’ll look at the definition of mortgage insurance and discuss two types of mortgage insurance: private mortgage insurance (PMI) and the Federal Housing Administration (FHA) mortgage insurance premium (MIP). We’ll also explain how mortgage insurance works […]

What Credit Score is Required to Buy a House?

October 12, 2021 apply for a mortgage, buy a home, buy a house, conventional loan, Credit History, credit reports, credit scores, debt to income ratio, fha loan, good credit score, higher credit score, improve your credit score, insured by the federal housing administration, loan types, mortgage loan, mortgage rates, qualifying for a mortgage, usda loan, va loan

When you’re getting ready to buy a house, your lender will want to see your credit score, a three-digit number that represents how well you pay back debt.  Before you apply for a mortgage, keep in mind that your credit score represents one of the most important aspects of qualifying for a mortgage, but it’s […]

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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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