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Your credit score is an important determinant of whether you will be able to obtain any type of credit. In order for you to meet the qualification requirements, your credit score must fall within a certain range. Depending on the mortgage loan type you want, the minimum credit score varies. Generally, mortgage loans that are backed by…
The reasons for refinancing a home are many and varied. Refinancing involves the rearrangement of the original loan terms in order to accomplish a certain goal. The vast majority of mortgages are entered into with no thoughts of refinancing. But certain circumstances may necessitate a change in the original arrangements. Changing Mortgage Terms Some of…
Top Reasons Why Vets Seek a Refi Do you ever wish you could have a little extra cash? Don’t we all! Maybe there’s a vacation you would like to take or some things you need to buy for your home. Perhaps you have some high-interest debt that you need to get rid of. If so,…
Your Step-By-Step Walkthrough to Buying Your First Home It’s been said that shopping for a house is a little like trying to find the love of your life. You have to know what you’re looking for, balance your needs and desires with what’s available, try to avoid falling head over heels, protect your heart from…
A mortgage is likely to be the largest loan that anyone will ever take in their lifetime. Since mortgage terms can last for as long as 30 years, it makes sense to find a mortgage that is affordable and that can be comfortably serviced throughout the term of the loan. There is no need to…
Buying your first home is an exciting and potentially overwhelming experience. As a first-time home buyer, you might be surprised at all of the paperwork and inspections involved in making a purchase. By remembering a few tips regarding mortgages, however, the process can go a lot more smoothly. Check Your Credit Before applying for a…
You’ve finally done it! You’ve searched your market for the perfect house, settled on the price, put together the down payment and signed all the necessary paperwork. But when you go to apply for a mortgage, you’re told you need “Private Mortgage Insurance”, known as PMI. Why would you need insurance for your mortgage? When…
As you search for a home, getting pre-approved for a mortgage is an important step to take. Pre-approval is the process of determining how much money you can borrow to buy a home. To pre-approve you, lenders look at your income, assets, and credit score to determine what loans you could be approved for, how…
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