If you are just embarking on the purchase process, you may be unsure of what lies ahead on your journey. That is why we wanted to provide you with a step by step guide or “loan road map” to help guide you on your way to homeownership! Get Pre-Approved Submit your application and the documents … Continue reading A Home Buyer’s Journey: Your Step by Step Guide to Homeownership
If you are thinking about purchasing a home this spring, now is a great time to start thinking about getting pre-approved for a mortgage. Getting pre-approved before you start home shopping is ideal for many reasons. For one, it will allow you to find out how much home you can afford. Your mortgage pre-approval letter … Continue reading Getting Pre-Approved
It’s easy to get nervous about something as big as applying for a mortgage. What is not so easy is putting our minds at ease if you’re in the middle of the process and things aren’t going the way you thought they would. Here is a list of questions you can ask your loan officer … Continue reading 10 Questions to Ask Your Loan Officer
If your new year’s resolution was to purchase a home in 2016, we’ve got you covered! Here are the steps you need to take to get through the process quickly and efficiently. Hire a Trusted Real Estate Professional So you know you want to buy a home this year, now what? Start by hiring a … Continue reading How to Buy a Home in 2016
In these days of ever-watchful lenders, you, as a consumer, can put yourself in the best possible position to be approved for a mortgage by taking a few simple, commonsense steps before you start your home search. The first step is ensuring you are paying your bills on time. As simple as this sounds, lenders … Continue reading How to Ensure Your Mortgage Will Be Approved
There are several ratios that lenders use in the mortgage qualification process; one of the most important of these is the debt-to-income ratio. This compares how much of certain types of debt you have to how much you earn. Income calculations are always done on a gross, or before-tax, basis. There are actually two debt-to-income … Continue reading The Importance of Your Debt-to-Income Ratio
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