Learning the ABC’s of mortgage terminology Before tackling the mortgage process for the 1st time or the 5th time, understanding the mortgage language will help in the steps of your home purchase journey. Adjustable Rate Mortgage (ARM): A mortgage that will have an initial fixed rate for a set period of time and then the…
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There is a general consensus that you have to put 20% down to buy a home. Well, I’m here to debunk that myth. The 20% down was a need many years ago, which led to the remnants of the thought that still echoes today. The truth is, you don’t need to have 20% to put…
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If you currently have an FHA loan, you may find that refinancing into a conventional mortgage may be a great choice to save money. Conventional loans can offer lower interest rates than comparable FHA loans. By refinancing into a conventional mortgage, you may be able to reduce both your monthly housing expenses and the total…
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VA Loan Products for Connecticut Veterans For Veterans, active-duty service members, National Guard, and reserve members of the military looking to purchase a home or refinance here is a product specific to you for your service to our nation. My name is Ramazan Sinani, I am a Loan Officer with Northeast Financial and I’m here…
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Down Payment Assistance Want to buy a home? Think you need a down payment? No money? Contact Me. bgoulet@northeast-mortgage.com or (860) 881-7392 Down payment assistance (DPA) programs help homebuyers with loans or grants that reduce the amount they need to save for a down payment… Loans (second mortgages) that are forgiven over a set number…
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Mortgage interest rates are currently at or near historical lows over the past 50 years. Now is the time to take advantage of these low rates. One vehicle to do this a Cash Out Refinance. Refinance mortgage rates tend to be lower than the interest rates on other types of debt, so it’s a very…
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The Do’s and Don’ts When Preparing to Purchase Your Home! We all get excited when it’s time to make that BIG purchase in our life. Whether you are a first-time homebuyer or refinancing your home, there are some guidelines that you should keep in mind. Do’s Get Pre-approved for Your Loan – There are many…
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HUD has announced that it has extended eligibility for FHA mortgages to individuals who are classified under the DACA – Deferred Action for Childhood Arrivals program. DACA recipients who have come to be known as “Dreamers” are individuals who were brought to this country before their 16th birthday and were under 31 years old when DACA was…
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Self Employed and W2 borrowers have now a new program at their disposal to help build their investment property portfolios. This product can be used for both Purchase and Refinance transactions. No personal income or employment will required to be verified, such as 1040s or W2s. This investment property product uses the homes cashflow to…
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Many renters do not own a home because they think they will not qualify, do not have the money to put down on a home, are worried that something big will break on or in the home and they will not have the money to fix it or do not make enough make enough money…
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