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What is a Mortgage Commitment, and How is It Different From Preapproval?

What is a Mortgage Commitment, and How is It Different From Preapproval?

When you're buying a home, getting preapproved for a mortgage is an important step. But what happens after you've been preapproved? You might think that the next step is to commit to a mortgage, but that's not always the case. In fact, there's a big difference between getting a mortgage commitment and getting preapproved. This guide explains what that difference is and how to get the right one for you. What is a Mortgage Commitment, and How is It Different From Preapproval? When you're buying … Continue reading...

Posted in: Blog, Buyers, How-To, Mortgages Tagged: Buying A Home, Loans, Mortgage Commitment, Mortgages, Preapproval

What Does it Mean to Purchase Points to Get a Lower Interest Rate?

What Does it Mean to Purchase Points to Get a Lower Interest Rate?

When you get a mortgage, you have the option to purchase points in order to get a lower interest rate. But what does that mean? This guide explains everything you need to know about purchasing points, including what they are and how they can help you save money on your mortgage. What Does it Mean to Purchase Discount Points to Get a Lower Interest Rate? This guide explains: What are points and what do they do? How do you purchase points and how much does it cost? What are the … Continue reading...

Posted in: Blog, Buyers Tagged: Buyers, How-To, Interest Rates, Mortgages, Points, Tips

How to Decide How Much to Put down on a Home

How to Decide How Much to Put down on a Home

Before the foreclosure crisis, it wasn't uncommon for people to buy homes with no money down. The crash of 2008 changed that, however, and the pendulum swung the other way. You almost had to come up with 20 percent of the purchase price for a down payment on a home. While zero-down mortgages may never be as prevalent as they once were, there are low (and no) down-payment options out there. Government-backed loan programs offer zero-down and 3-percent programs, and even traditional lenders are … Continue reading...

Posted in: Buyers, Financing, Home Buying Tips, Mortgage & Home Loans, Mortgages Tagged: Down Payment, home loan down payment, home loans, how much should I put down on my home, mortgage down payment, Mortgages

Can A Non-Citizen Co-Sign For My Home Loan?

Will you require a co-signer in order to buy a home in the Tampa Bay area? Are you worried because your only willing co-signer is a non-citizen? We have the scoop about buying a home with a co-signer that currently doesn't have United States citizenship. Minimum Standards No matter what, if you have a co-signer on your mortgage, they have to meet the same minimum standards that you would as the primary borrower. Lenders offering loans backed by Fannie Maw, Freddie Mac and FHA are allowed to … Continue reading...

Posted in: Blog, Mortgages, Tampa Tagged: co-signers, Fannie Mae, Freddie Mac, home loan, Mortgages

Get Better Mortgage Rates If You Improve Your Credit Score

In what might feel like a cruel plot to keep home buyers stuck and unable to actually buy a home, lenders use factors including your credit score to determine your mortgage rates. You need to take a look at your credit score early in the game. You might need to clear some errors up on the credit report. It's not uncommon, but it's best handled before you start applying for mortgages. Why? The worse your credit, the higher it will raise your rate. The higher your rate is, the more you will pay … Continue reading...

Posted in: Blog, Buyers, Credit, Financing, First-Time Buyers, How-To, Tampa, Things To Do, Tips, Life Hacks & How-to Tagged: credit ratio, Credit Score, DTI, Equifax, Experian, financing a home, lending, loan officer, mortgage brokers, Mortgage Rates, Mortgages

How Does Making Lump Sum Payments Affect Your Mortgage? Let’s Take a Look

Periodically, many homeowners will receive a rather sizable amount of extra cash. This may be from a bonus from your employer, a refund on your tax return, a financial gift from a relative or something else altogether. While there are many things that you could do with your windfall, you may be wondering if paying down your mortgage balance is a wise idea. Before you make your decision about how to spend your money, consider what impact your lump sum payment will have on your mortgage. Reduction … Continue reading...

Posted in: Blog Tagged: Home Mortgage Tips, Mortgage Payments, Mortgages

3 Easy Ways to Put Aside a Bit of Extra Cash So You Can Pay off Your Mortgage Faster

If your personal budget is similar to many other people's budgets, your home mortgage payment is by far the largest expense that you pay for each month. In fact, this payment may easily account for 20 or 25 percent or more of your take-home income. Understandably, you may be focused on trying to pay this expense off early. By focusing on this payment, you can build equity and may be able to achieve financial security more quickly. You simply have to find a way to put aside a bit of extra cash … Continue reading...

Posted in: Blog Tagged: Home Mortgage Tips, Mortgage Payments, Mortgages

Saving Up for Your First Home? Our Guide to Finding Ways to Save Your Down Payment Faster

If your goal is to purchase a home, you may find that it's challenging to save up enough money for your down payment. While this is something that many first time home buyers struggle with, it is by no means insurmountable. By making a few simple changes you will be able to accumulate the funds you need for your down payment. Keep Track Of Your Spending One of the reasons why it can be difficult to save money is that you aren't even sure of where your money is going. While you may be aware of … Continue reading...

Posted in: Blog Tagged: Down Payments, Home Mortgage Tips, Mortgages

Freelancing in 2015? Three Tips for How to Secure a Mortgage if You’re a Self-Employed Entrepreneur

If you are self-employed, either as a freelancer or as the owner of your own business, your income can fluctuate greatly from year to year. That can make it difficult to get approved for a mortgage, although there are some things you can do to improve your chances. Here are three tips for securing a mortgage if you are self-employed. Make Sure Your Credit Score Is In Good Shape While your ability to pay back a mortgage is the most important factor in approval, your credit score is a close … Continue reading...

Posted in: Blog Tagged: Home Mortgage Tips, Mortgages, Mortgages and Credit

Buying a Home with a Mortgage? A Quick Guide to Closing Costs and What to Expect

Whether you're just starting to shop for a new home or you've already found the perfect new house and you're ready to submit an offer, if you're taking out a mortgage loan to cover some of the home's purchase price you should be aware of the various closing costs you may encounter. In today's blog post we'll share a quick guide to closing costs and what you can expect to pay when you buy a new home. What Closing Costs Do Buyers Typically Pay? As you move forward in the home purchase process … Continue reading...

Posted in: Blog Tagged: Closing Costs, Home Mortgage Tips, Mortgages

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