Investors looking into real estate often tend to assume they need to buy the property using a Limited Liability Company (or LLC) for risk mitigation purposes. While this may sound…
Private Mortgage Insurance
When a borrower applies for a conventional loan and the down payment is less than 20%, the borrower will probably have private mortgage insurance. Private Mortgage Insurance (or PMI) protects…
How Does Refinancing Work?
Refinancing your mortgage is when you trade in your old loan for a new loan with a new term and interest rate. You don’t have to refinance through the lender…
Understanding Your Credit Score
A key requirement for qualifying for an excellent mortgage requires strong FICO credit scores, as they can have a major impact on your interest rate and your loan terms. The…
Fannie Mae Raises the Debt to Income Ratio!
Fannie Mae is the largest insurer of mortgage loans in the United States. They have recently announced an increase in their debt-to-income (DTI) ceiling from 45 percent to 50 percent….
Fixed Rate vs. Adjustable Rate Mortgages
When applying for a mortgage, you have many different choices. Interest rates are a big factor in deciding which loan is right for you. Fixed rate loans have the same…
Our Loan Process
Today’s real estate landscape is extremely challenging and most offers to purchase real estate will not be accepted without an accompanying letter from the lender stating that you have made…
Block Chain and the Future of Mortgage Lending
To understand what Blockchain technology can do for mortgage lending, you first must understand how it works. Blockchain is a type of next-generation digital business process improvement software. A blockchain…
Five Tips to Make Sure Your Credit Is Mortgage Ready
Whether you’re purchasing your first home or refinancing a mortgage, you should know that a lot has changed with home mortgage loans in the past several years. It’s more important…
Top 5 Tips for Millennials Who Want a Mortgage
Millennials — or Gen Y’ers — have finally grown up and entered the workforce, and this also means one thing: They’ve started buying houses, too. Recent research by the National…
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