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Posts Tagged ‘Mortgage loan’

Should you talk to a mortgage professional before house hunting?

Tuesday, January 22nd, 2013

Absolutely! Even if you haven’t so much as picked out houses to visit yet, it’s important to see your mortgage professional first. Why? What can we do for you if you haven’t negotiated a price, and don’t know how much you want to borrow? When we pre-qualify you, we help you determine how much of…Read More »

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Home Buyers Tip | Upfront Fees

Thursday, September 20th, 2012

Buyers beware that your lender may require some fees upfront.  Such as an appraisal fee, this upfront fee is fairly common and can be unexpected to some buyers, because it is associated with closing costs.  Instead of paying for it at closing, which many may assume, some banks prefer you to pay the fee before…Read More »

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Mortgage Minute | Five Ways to Make the Loan Process GO FASTER!

Friday, September 7th, 2012

We should say that “working with us” is the first way!  When you let us help you find the loan that’s right for you, you truly are taking advantage of some of the area’s best technology and expertise to get you a loan decision and funding on your loan quickly. But here are five “other”…Read More »

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How To Apply For A Mortgage Loan

Wednesday, September 5th, 2012

Your chances of obtaining a mortgage really depend on all the information that will be contained in the credit report. So, it’s a good idea to get your credit report, before you apply for a mortgage, and correct errors. If there are any inaccuracies you don’t know about, this could cost you thousands of dollars in…Read More »

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Mortgage Minute | Turn Times for mortgage lending

Sunday, August 5th, 2012

As the interest rates continue to go down, be cautious of turn time for your new mortgage loan. Be sure to ask your lender what their current turn times are for the appraisal and general processing of your new loan. Not all lenders are the same when it comes to their processing times, staff on…Read More »

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Mortgage Tips

Friday, August 3rd, 2012

As experienced agents, We can help you maximize your time by only considering homes that meet your budget requirements. To be in a strong position to negotiate with a seller, it’s best to be pre-approved for a mortgage. That means you have a written commitment from a lender for a specific mortgage amount. To a…Read More »

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Timing Is Everything

Friday, July 27th, 2012

Increased Buying Power Due to recent aggressive action by the Federal Reserve, mortgage interest rates have dropped to near 40-year historic lows. Recent rate reductions could help you afford a home worth $30,000 more in today’s market, without a meaningful increase in your monthly payment.* Greater Selection With more houses on the market, the opportunity…Read More »

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Home Buyers Tip | Veterans

Thursday, July 19th, 2012

U.S. military veterans that are buying a home can usually qualify for some very favorable programs through the VA.  No down payment mortgages are available to those that qualify as are those that do not require private mortgage insurance (PMI).  Buyers that are veterans should contact their local VA office for more details and qualification…Read More »

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Mortgage Minute | Inform Your Lender Of Changes

Wednesday, July 11th, 2012

Even after you have been pre-approved for a home loan, it is of extreme importance to keep your lender informed of any changes that may have occurred since then. Examples include- change in job status- new job, job termination, or change in pay structure. While the lender takes your initial information to approve the loan, they…Read More »

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Offers Accepted What’s Next

Wednesday, July 4th, 2012

Once you and the seller have “signed on the dotted line,” there are a few more steps leading to the closing. Now, here’s what you can expect through the rest of the process.   Lender Documents.  Your lender will be receiving a copy of the purchase agreement and needing documents to be complete their file.  Please contact…Read More »

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