Many things in the mortgage industry have changed and evolved throughout the years. One aspect of the mortgage loan process that continues to stay the same is how mortgage loans…
The Income-Equity-Credit Triangle
Down Payment Gifts
When it comes to purchasing a home there are a few obstacles that a borrower may come across. The most common obstacle is being able to save for a down…
Cars & Mortgages
What do cars and mortgages have to do with each other? Let us explain further: When a borrower qualifies for a mortgage, the debts reported on their credit report ultimately…
Understanding Your Debt to Income Ratio
When applying for a mortgage loan, lenders keep track of several important ratios and numbers to qualify a borrower. One of the most important calculations is a borrower’s overall Debt-To-Income…
What Are My Closing Costs?
It’s no mystery that there are closing costs whenever a buyer purchases a new home or refinances a property that they already own. The question is, what are these closing…
Fannie Mae & LLC’s are Playing Nice!
Historically, residential properties that were financed with Conventional mortgage loans and then transferred and held in an LLC by the owner was not recommended. If a borrower wanted to refinance…
Don’t Hibernate This Winter
The winter season tends to slow down the real estate market which can be advantageous to those willing to house hunt during these cold months. There tend to be fewer…
Welcome the New Year with Increased Loan Limits!
With the New Year having arrived, there have been some drastic improvements to mortgage loan limits for Conventional Financing. Conventional financing includes both Conforming and High Balance loan limits, which…
Financing an Investment Property
Investment properties have been widely accepted as a good investment vehicle, but buying one requires some additional research. Unless you have the cash to purchase them outright, you will need…
Purchasing A Home With Your Partner Before Marriage
We have been noticing a significant shift in buyer trends, specifically with millenials, who now make up the largest sector of first time home buyers. Historically, this segment of home…
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