Not all home buyers are alike. If you’ve had difficulty qualifying for a traditional mortgage, we have a smart option: a nonqualified mortgage. A nonqualified mortgage can be a great choice if you don’t meet traditional lending guidelines, opening up more options for you. You could qualify if you: • Are self-employed • Have fluctuating…
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Are you currently renting a home because you can’t afford a down payment? You might be eligible to receive government assistance in the form of a grant equal to 2% or 3.5% of the purchase price of your new home to cover your down payment. Down Payment Assistance may be combined with up to 6%…
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Protect yourself with a home inspection. When it comes to buying a home, the more you know about it, the more confident you can be in making the right decision. That’s why home inspections are a must for every buyer. Home inspections give you detailed information on the physical condition of the house and can…
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Get your income information sorted. • Gather at least two paystubs and two years of your W-2s and federal tax returns, including all schedules. It is ideal to be at your current employer for at least two years. • Ask your loan advisor about additional documentation requirements if you are self-employed. • Contact your loan…
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Renovation loans are a great choice for borrowers because they only have to deal with one single loan to cover both the purchase price and the renovations. This means only one payment with lower interest rates. There are several loan options to choose from if you decide to buy a home that is in need…
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Loan estimate documents are issued within three days of receiving your mortgage loan application. In them, you’ll find all the costs associated with your particular loan. Some of these costs may change before you close on your loan, while others are set unless you’re provided a revised document. Let’s take a look at the three…
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Individuals who are not so savvy to homeownership may face some confusion when paying their first couple mortgage statements. They first may be skeptical about why their statement not being serviced by the same financial institution that they signed so many documents with. Well… that’s not so abnormal. The truth is, most mortgages are sold…
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Here are a few reasons to refinance now: 1. Lower your monthly payment by refinancing to a lower rate or by extending your loan. 2. Convert an adjustable-rate mortgage to a fixed-rate mortgage and lock in a guaranteed rate that will never increase. 3. Get cash with a cash-out refinance that lets you access the…
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Here are a few important things to consider when making this major life decision: Understand your finances. • Talk to a professional loan advisor about your assets, debts, and credit history to see if you prequalify for a mortgage. Get your paperwork in line. • Your lender will require a lot of personal information to…
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SELLER CONCESSIONS WHAT ARE THEY AND SHOULD YOU ASK FOR THEM WHEN PURCHASING A HOME? The whole mortgage process can have many components. I’m going to address the closing costs area first. Closing costs are fees associated with your home purchase that are paid at the transfer of the property from seller to buyer. Some…
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