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Congratulations, your mortgage loan has been funded and the escrow on your purchase has successfully closed. Once the celebration has ended, oftentimes borrowers find that they were so caught up…

Reverse mortgages have been growing in popularity in recent years at a substantial rate. With home equity reaching all-time highs and baby boomers now entering retirement, more individuals have been…

One of the most common forms of income included on mortgage loan applications that we see is rental income. Unfortunately, the rental income figure that most applicants list on their…

When purchasing a home one of the first questions to answer is what type of property you do want to purchase. There are a host of different types of residential…

Student loans have been a hot-button issue for quite some time. While almost everyone agrees that total student loan debt poses a significant financial threat to our economy, reform has…

Credit scores are a major factor in personal finance – especially when it comes to mortgage loans. Most residential mortgage loan programs have minimum credit score requirements for eligibility. Furthermore,…

Dealing with poor or damaged FICO credit scores can seem like fighting an unending battle. Perhaps you have been sliding to the bottom of the mountain for years due to…

One truth about building a strong credit and FICO score profile is that it takes time. An individual can not jump from having no credit history to excellent scores quickly….

Occupancy type is a major factor in mortgage loans. Occupancy can have a large impact on interest rates when it comes to residential mortgage loans. The type of occupancy will…

Homeowners (or property) insurance is necessary to protect you from major damages and repair costs which often arise through natural disasters, theft, or accidents and it is required when qualifying…