When applying for a mortgage loan, one of the determining factors used to qualify for a mortgage loan is your credit score (also known as a FICO Score). Your FICO…

When a buyer submits an offer for the purchase of a home using a Residential Purchase Agreement (or RPA), there is an entire section dedicated to the contingencies (this can…

An appraisal report is an integral part of the mortgage loan process. Occasionally a lender will issue a PIW (property inspection waiver) allowing a borrower to skip this requirement however…

When applying for a mortgage loan, one of the key initial disclosures you will receive is a Loan Estimate. This Loan Estimate breaks down the terms of your new mortgage…

When applying for a mortgage, your mortgage loan originator will request income documentation, such as your federal tax returns. These documents are needed because they are required for most traditional…

Have you ever wondered what portion of your mortgage payment goes towards paying down the principal loan balance? The answer is that it changes slightly on every payment you make…

Buying a new home is an exciting time that should be celebrated and enjoyed. Unfortunately, some sour apples might try to ruin this joyous milestone for you. It is important…

We are often approached by potential borrowers who are moving from one city/state to another and looking to get pre-approved for a mortgage. While this may seem straightforward and logical…

Spring and summer are generally considered as the primetime home-buying season. During this time, there is often more inventory and new listings available when compared to other parts of the…

Are you self-employed and looking to qualify for a mortgage loan but are not sure where to start? You may have already spoken to a mortgage representative at your local…