What is PMI and How Do I Know If I’ll Have to Pay It?
What is PMI and How Do I Know If I’ll Have to Pay It? The more you research buying a home, the more acronyms you will come across. If you’re feeling lost among all the new terms, we can help break it down so that you feel confident and well-informed to...
How Alimony and Child Support Affect Your Mortgage Application
Buying a home after divorce can be complicated, especially if your income is a combination of your wages, alimony, child support or if you are the one making alimony or child support payments. With the right information and a great loan officer on your side,...
3 Common Challenges for Self-Employed Mortgage Borrowers
Common Challenges for Self-Employed Mortgage Borrowers – Qualifying for a mortgage as a self-employed borrower is entirely possible, especially with knowledgeable professionals on your side. It helps to understand the common challenges self-employed borrowers...7 Things to Avoid After Applying for a Mortgage
7 Things to Avoid After Applying for a Mortgage – “Congratulations, you were pre-approved for your mortgage!” This exciting message likely comes with a sigh of relief, and allows you to enter escrow on that home you are thrilled to buy. There are a...
Why Does Debt-to-Income Ratio Matter?
Why Does Debt-to-Income Ratio Matter? There are multiple metrics lenders use to determine someone’s ability to repay a mortgage, as well as how much debt they are able to take on. The more you understand the mortgage approval process and what your lender is...
What Do Lenders Want to See from a Self-Employed Borrower?
What Do Lenders Want to See from a Self-Employed Borrower? – Are you a self-employed borrower hoping to buy a home in the new year? Qualifying for a mortgage without traditional proof of employment and income may sound scary, but when you work with a lender who...
Should You Refinance in 2023?
Should You Refinance in 2023? – The refinancing storm of the past few years has calmed down significantly as the FED has raised the federal funds rate, but that doesn’t mean your opportunity to refinance has necessarily passed. There are still some people...
Can I Refinance if I’m Self-Employed?
Refinancing as a self-employed person might seem out of reach. Without typical proof of income or tax returns to prove to your lender that you can afford your home, qualifying for a traditional mortgage refinance is tricky. But that doesn’t mean you can’t...
Is Raising Your Credit Score Your New Year’s Resolution?
Is Raising Your Credit Score Your New Year’s Resolution? – Trying to decide on a good New Year’s resolution for 2023? Consider making yours work to raise your credit score. It might not be as hard as you think, and the benefits are significant. If...
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Here you’ll find tips, updates on mortgage laws and changes that can affect your loan or approval. Check back often for more great ideas.