In the past few weeks, we have seen major changes in our world, economy, and lives. The COVID-19 health crisis is spreading viciously throughout the entire world. Individuals and businesses…
COVID-19 & The Current State of the Mortgage Market
The coronavirus pandemic has caused massive volatility in the financial and mortgage markets. In the past few weeks, there have been dramatic shifts in interest rates that are rarely seen….
COVID-19 & Mortgages: Everything You Need to Know
Our office has been getting inundated with requests as to how COVID-19 and the surrounding events are impacting their mortgages, so we decided to put a quick FAQ post about…
Solar Panels & Mortgage Financing
Installing solar panels to a property can be a great way for borrowers to save money on their energy bill. However, there are a few things to consider when researching…
Different Types of Private Mortgage Insurance
There are four types of private mortgage insurance that are issued with Conventional loans. Figuring out which one is the right fit can be challenging as each type of Mortgage…
What Affects Your Interest Rate?
Mortgage lenders have a systematic approach to determine how a borrower qualifies for a specific interest rate. While it may seem obvious that borrowers want to receive the lowest interest…
Impound Accounts – A Primer on Property Tax and Homeowners Insurance
An impound account, also known as an escrow account, is a prepaid account set up by a lender to collect the borrower’s property taxes and homeowners insurance premiums. These payments…
Happy New Year: Welcome to 2020 and Increased Loan Limits!
What Is a Conforming Loan? A Conforming loan is a mortgage loan that follows and conforms to specific Fannie Mae and Freddie Mac guidelines. A Conforming loan is directly tied…
The Income-Equity-Credit Triangle
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…
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…
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