Today we tend to do everything online—from dating and being social to ordering groceries and banking.  But, when it comes to getting a home loan, does it make sense to go with one of those online mortgage companies? If you’re thinking about going online to track down a home loan, here’s a quick rundown of … Continue reading The Pros and Cons of Online Mortgages


If homeownership is a major goal for you, what’s holding you back? If you’re like most renters, it’s the lack of cash for a down payment. Saving can be easier than you think. Taking advantage of some simple saving habits will build your down payment fund, and before you know it, you’ll be making your … Continue reading Down Payment Saving Tips For Renters


While buying your first house is an exciting time and a big milestone, it’s important to keep in mind that there are some actions to avoid during the buying process. Here are some common but avoidable mistakes that first-time homebuyers sometimes make. Skipping the Prequalified Process When you decide to take the big step towards … Continue reading 4 Common First-Time Homebuyer Mistakes


Traditionally, we think of the homeowner path as upsizing. When we are young, we buy a small starter home to fit our needs and income. Later, our needs change as our family unit grows, and we move into a larger home to fit our needs. There are times in our lives, however, when smaller spaces … Continue reading Knowing When to Downsize


For many people, buying a home is typically the largest and most significant single purchase they will make in their lifetime. When preparing to buy a home, it is important to understand what is affordable and how to prepare for this purchase in the form of a down payment. Know How Much You Need A … Continue reading Saving for a Down Payment

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If you’ve applied for a mortgage loan before – or even if you haven’t – you need to be familiar with something you may have never heard of: your debt-to-income ratio. How do I know you’ve probably never heard of it? According to Fannie Mae’s Economic & Strategic Research Group, over half of consumers aren’t … Continue reading What’s a Debt-to-Income Ratio and Why’s it so Important?

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When you’re shopping for a home and preparing for a meeting with a mortgage lender, there are five important items to be aware of. Knowing them will make your borrowing experience smooth and painless. 1) Be Prepared. It’s not just a Boy Scout motto, it’s a great suggestion. When you meet with a prospective mortgage … Continue reading The Mortgage Lending Process: Five Things to Remember

So, You’re Shopping for a Home… Shop for a REALTOR® First!

Buying a home can be exciting. But it can also be an odd mixture of fear, anxiety, second-guessing and anticipation because it means a new chapter in your life. Choosing the right real estate agent may be the smartest thing you can do before you begin your search. Everybody knows somebody in the real estate … Continue reading So, You’re Shopping for a Home… Shop for a REALTOR® First!

50 Common Mortgage and Real Estate Terms You Should Know

Real estate professionals, mortgage lenders and lawyers often speak a different language, it seems, when they’re working with clients. The following glossary of some of the most widely used terms will help you understand what they say, what they mean and how it may impact your home search or mortgage loan application. Abstract of Title … Continue reading 50 Common Mortgage and Real Estate Terms You Should Know

Mermaids, Monsters, $0 Money Down Mortgages and Other Mythical Creatures

Shopping for the most affordable mortgage? If you are, perhaps you’ve come across newspaper or magazine ads promising “Zero money down” mortgages. Though intriguing, tempting and worthy of investigation, they may also be downright misleading — intentionally. Read the fine print. If the advertisements hide fees or don’t fully disclose the terms of the offer, … Continue reading Mermaids, Monsters, $0 Money Down Mortgages and Other Mythical Creatures

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