The most common question asked when talking about mortgages is… “What are today’s rates?” Ever ask yourself what determines these rates? Here is a quick list of what goes into determining the interest rate on your mortgage: Loan Amount – Loans over conventional limits are called Jumbo Loans and may have different pricing. This pricing…
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HOME BUYER’S CHECKLIST for 1ST TIME HOME BUYERS √ Get Pre-Qualified with a Broker! Your first move when entertaining the idea of purchasing a home is to find a broker like myself. When you reach out I can answer any questions you may have and we can begin working together to get your base line…
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Where do you stand? What can you do to Improve your Score? Pay all bills on-time Don’t apply for too many credit lines Don’t max out credit cards – Keep a balance at or below 30% of available for all revolving credit Hold on to your older credit lines – Even if not using…
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As you figure out your home budget, it’s key to consider all the factors that will make up your mortgage payment. Here we share four important elements, known as PITI, which affect the amount you will pay each month: P Principal Amount borrowed to buy your home ⇑ Payment goes toward ⇓ ⇓ ⇓ ⇓…
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Even though saving for your first home may sometimes feel overwhelming, many others have successfully navigated the homeownership journey with the right strategy in place. Here are five straightforward tips to help get you on the fast track to enjoying your first home: 1. Don’t Fixate on One Neighborhood You may love where you live…
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RENOVATIONS WHY RENOVATE with a REFINANCE? Renovating, remodeling, and repairing your home. Why now? In today’s purchase market, there are a lot of people looking for homes but, there is not a lot of inventory available. So, instead of leaving your home you own with or without a current mortgage, stay a while longer. If…
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FHA LOAN LIMITS Increased to $420,680 in 2022 Up from $356,362 in 2021 The Federal Housing Administration (FHA) just announced an increase of the FHA loan limits for 2022.The loan limit for one-unit properties will rise to $420,680 in most parts of the country, up from $356,362in 2021. Loan limits are also increasing in high-cost…
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A Renovation loan can be a convenient and economical way to make renovations or repairs without having to pull equity from a home or applying for a second mortgage. Now Borrowers can purchase, or refinance a home and renovate it, all in one loan – one application, one closing, and one monthly payment. FHA…
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Why choose a one-time close construction loan and what options are available to you? A one-time close construction loan is a viable option for borrowers when they need to provide the builder with initial and interim financing for construction. This product has a single closing to save you on closing costs from having multiple…
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Bank statement Loans were created for self-employed borrowers to purchase or refinance. Since tax returns are not required, this could be a great option for credit worthy self-employed homebuyers! Borrowers need to have two years of self employment*. 12 -24 Months of bank statements will be used to average income. Tax returns, w-2’s or pay…
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