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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 […]

How Long Does an Appraisal Take?

November 6, 2021 appraisal determines, appraisal management company, appraisal process, buying a home, closing costs, comparable homes, comparable properties, comparable sales, depending on the size, dream home, home appraisal, loan officer, mortgage company, mortgage lender, order an appraisal, purchase price, real estate appraisal, similar properties, size and condition

You might think buying a home involves a lot of waiting. You may wait for pre-approval, the results of the home inspection, underwriting and more. As part of the homebuying process, you may also wait for the results of an appraisal. (Getting the results of a real estate appraisal may take less time than you […]

What is an Appraisal? Everything You Need to Know

November 3, 2021 appraisal process, appraisal report, appraiser determines, buying a home, condition of the home, home appraisal, home inspection, home loan, homes in the area, licensed appraiser, mortgage lenders, order the appraisal, overpay for a home, purchase price, require an appraisal, sales price, similar homes, square footage

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 […]

What is an FHA Loan? Everything You Need to Know

October 8, 2021 closing costs, conventional loans, conventional mortgage, department of housing and urban development, fha approved lender, fha lenders, fha loan limits, fha loans require, good credit, home loans, interest rate, life of the loan, loan programs, loan terms, payments as low as 3.5, purchase price, qualify for an fha, student loans, type of mortgage

As you read through our homebuyer’s guide, you may wonder which home loans could work best for you.  A conventional loan, the most common type of non-government backed loan, requires you to have a minimum credit score of 620. Your credit score is a three-digit number that comes from your credit reports and creditors (such […]

How Much Are Closing Costs?

October 6, 2021 average closing costs, buy a home, discount points, escrow account, home loans, home sale, homeowners insurance, lenders charge, loan amount, loan estimate, origination fees, pays closing costs, property taxes, purchase price, recording fee, title insurance, title searches, transfer tax, vary widely

As a potential brand-new homeowner, your first thoughts might turn toward the amount you’ll pay for your monthly mortgage payments. But have you considered how much you’ll have to pay for the down payment or closing costs for your home loan? Generally, you’ll have to pay closing costs when you purchase a home — no […]

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 […]

How Much House Can I Afford?

September 14, 2021 30 years, buying a home, car loans, closing costs, credit cards, credit score, debt to income ratio, fha loans, gross monthly income, home affordability calculator, housing budget, how much house can i afford, monthly mortgage payments, mortgage loans, mortgage payment, mortgage rates, purchase price, real estate, total monthly debts, va loans

When buying a home, one of your first thoughts probably turns to the following question: “How much house can I afford?”  You may wonder how large of a house you should and can purchase (especially when buying your first home). It’s one of the most important questions you can ask, because you want to feel […]

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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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