Do Get prequalified Check your credit report Continue paying your current monthly bills, including rent and utilities Pay all your bills on time: Important to be current Continue making purchases as usual: Banks love consistency, and continuing normal patterns of credit use gives banks a good idea of your spending routines Ask your lender questions:…
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Each year, millions of people buy homes. Most know that a realtor and mortgage professionals can be a huge help in the process. A little-known secret though, is that an independent insurance agent can be equally valuable in the home-buying process – providing critical information that can help you with your home-buying decisions. Here’s how…
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Seasoned Assets, Sourcing Large Deposits and Gifts: The best thing to do is to keep your money stationary in its original accounts. It is also important to not to move any major amounts around and to not deposit cash on hand into any accounts within your mortgage process. Definitions A Large Deposit is considered a…
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The distinction – between PMI, MIP, & Homeowner’s Insurance- is one that many homebuyers- particularly first-time borrowers- have a lot of questions about. Hopefully, this article answers those basic questions, and if you have more in-depth questions, please contact us to help assist you further. This overview should help with the generalities. By Yvonne…
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Once you’ve received a pre-approval from your loan officer and are aware of all the costs involved and what you can afford, it’s time to begin your search for a home. FINDING A REAL ESTATE AGENT Your real estate agent is a valuable partner in the homebuying process. He or she will help you find…
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15 vs. 30: Two reasons some people take on a 15-year mortgage The primary difference between a 30 year mortgage and a 15 year mortgage is simply the length of the loan. One amortizes over 30 years, the other over 15. (Wikipedia says that an “amortizing loan is one where the principal is paid down…
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Do you have a healthy amount of assets but your documentable income is not easy to verify? Our Asset Connect product is designed specifically for borrowers with large significant assets. Qualification is based solely on the borrower’s assets. Requires enough assets to cover loan amount, monthly debt for 24 months, and 12 months reserves. Highlights…
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Working with your local independent mortgage broker has its benefits. One of which is access ground breaking products and exciting enhancements ahead of the big banks. We are proud to announce that we are currently accepting applications for conventional loans using the new increased loan limits to be set soon for 2022. Effective immediately Northeast…
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These programs are specifically designed for those who wish to repair, improve, or upgrade an owner-occupied home they own or would like to buy. The FHA 203(k) allows homeowners to finance rehab costs within a single mortgage — rather than having to obtain a separate loan to finance the cost of repairs or walking away…
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Navigating both low and no money down payment programs can be difficult and often confusing for new and experienced home buyers. Here at Northeast Financial LLC we have several options available to the public. Are you a veteran that serviced for our armed forces? If so ask us about our 100% VA Financing for both…
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