The Federal Reserve has been performing a juggling act throughout the past year. First, the recession required the Fed to keep the rate as close to zero as possible in…
NEW FHA Loan Limit Increases For 2022
The Federal Housing Administration (FHA) recently announced the new FHA loan limits nationwide. We are honoring these new loan limits effective immediately and vary county by county. Single family residences…
Your Online Security: How We Protect & Store Sensitive Client Information
Throughout the mortgage loan process, submitting documents to verify income, employment, and credit history is inevitable. Mortgage lenders need this information to calculate an appropriate rate and general loan amount…
The Domino Effect: How Timelines Impact a Real Estate Purchase Transaction
Purchasing a home is generally a long and stressful exercise that involves many steps and procedural formalities. Closing occurs when the borrower signs the papers that make the house theirs,…
Buyers Purchasing More New Homes For November 2021
Despite purchase prices rising, the Mortgage Bankers Association (MBA) says there has been a steady increase in purchase applications in a recent month-to-month study. Based on the applications, single-family home…
Credit Access Changes Slightly for October 2021
Access to mortgage credit availability is tight. This has been the case since the Great Recession and has only incrementally loosened since. The Mortgage Credit Availability Index (MCAI) increased by…
Mortgage Forbearances Decline Significantly in November 2021
Forbearance is when your mortgage servicer or lender allows you to temporarily pay your mortgage at a lower payment or pause paying your mortgage. The borrower will pay the payment…
Spike In Home Sales Despite Supply Shortage
Despite the recent housing shortage and pricing surge, home sales surprisingly increased by 2% in September. According to The National Association of Realtors, sales of pre-owned single family houses, townhouses,…
No Strings Attached: The Benefits of a No Cost Refinance
What Is A No-Cost Refinance? A no closing cost refinance is an option available to borrowers which allows them to avoid paying all non-recurring closing costs. In this instance, the…
Important Update: New High Balance Loan Limits For 2022
The high balance conforming loan limits have been announced per county, and the increases are substantial. The higher loan limits are now live for high-cost counties in the states of…
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