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College commencement speeches have been delivered and diplomas handed out. It’s time for the real world which, for many graduating students, means tackling their student loan debt. Having student loans won’t keep someone from buying a house, although they need to be comfortable with the idea of taking on a good amount of debt while … Continue reading How to Buy A Home While Balancing Student Loans


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The beginning of spring each year typically marks the beginning of homebuying fever for many families. For many, the winter doldrums are over, and the warmer temperatures invite buyers to test the market for the right house. If you are thinking of buying this year, these five reasons might make spring the right time for … Continue reading 5 Reasons to Buy a Home This Spring!


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Whether you’re a first-time homebuyer or an experienced buyer, there are some important things to keep in mind to ensure that your home mortgage process goes smoothly. Pay Your Bills on Time…Every Time! A good credit history is vital when applying for a home loan. One of the best ways to have good credit is … Continue reading 5 Things to Know Before Applying for a Home Loan


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Plenty of people have the goal of buying a home, but factors hold them back from making it happen each year. Rising interest rates or not enough savings for the standard 20% down payment are just a few examples that cause people to push off the thought of owning a home. Maybe next year’s rates … Continue reading 3 Reasons to Buy This Summer!


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Not everyone can afford the standard down payment when buying a home. Instead, they achieve their dream of home ownership through mortgage insurance. So what exactly is mortgage insurance, and how does it affect your home loan? What is Mortgage Insurance? Mortgage Insurance is an insurance policy that compensates mortgage lenders for losses due to … Continue reading Do I Need Mortgage Insurance?


The Housing Finance Policy Center of the Urban Institute recent released the results of a new study. The verdict? Women are better at paying their mortgages than men – yes, females are more financially responsible than their male counterparts. Using data requiring most lenders to report under the Home Mortgage Disclosure Act — plus information … Continue reading Women Pay Their Mortgages Better Than Men


FHA to Help Borrowers Keep Their Homes

Borrowers who have a high LTV (loan-to-value ratio) got some good news recently as the Federal Housing Finance Agency announced its intention to extend the Home Affordable Refinance Program (HARP) into 2017. In addition, the Agency introduced a new refinance program designed to take the place of HARP when it expires. The programs are for … Continue reading FHA to Help Borrowers Keep Their Homes


Rounding up Your Mortgage Payment

Many times in the mortgage lending industry, loan officers are asked what’s the best way to prepay their mortgage. Naturally, if you can afford an additional $100 or $200 per month to add to your monthly loan payment, you’ll save a substantial amount of interest over time by reducing the principal balance of your mortgage. … Continue reading Rounding up Your Mortgage Payment


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


Anatomy Of A Loan Closing, Or…

“What Exactly Am I Signing Again?” For many homeowners, signing the contract to purchase a new home seems like the culmination of the search for the perfect home. For others, it’s securing a mortgage loan commitment from a lender, guaranteeing loan approval and allowing the prospective borrower to breathe a sigh of relief. Still, for … Continue reading Anatomy Of A Loan Closing, Or…


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