What Is Mortgage Insurance?

Mortgage insurance is a type of financial protection that lenders require when borrowers make a down payment of less than 20% of the home's purchase price.

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Should You Pay More Than the Listing Price?

Buying a house is a significant financial decision that often involves careful consideration and negotiation. One common dilemma for homebuyers is whether they should offer more than the listing price

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The 4 “P”s of Lending

First and foremost, buying a home and obtaining a mortgage is a significant financial decision, often involving substantial sums of money and long-term commitments. Whether it’s a mortgage company, credit

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What Makes up Your FICO Score?

Feeling like your financial fate is being determined by pesky, confusing digits? Credit scores are based on complex algorithms that take multiple factors into account such as payment history and

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What Are Prepaids and Closing Costs?

When purchasing a home, knowing every fee and cost is at the forefront of the buyer’s mind. However, understanding the ins and outs of each cost can be difficult. Let’s

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Divorce Loans: Making The Transition

As of the 2010 census, there were 56 million married couple households. Because the divorce rate ranges from 40-50%, a lot of people need divorce loans. That being said, we

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The Top 4 Reasons People Get Denied a HELOC

The Top 4 Reasons People Get Denied a HELOC Home equity lines of credit (HELOC) are a way for mortgage borrowers to access the equity in their homes without selling

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How To Choose A Mortgage Lender

You’ve decided you’re ready to buy a new home. The first step is choosing a mortgage lender. But how on earth do you go about finding the right lender for

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Refinancing at Any Stage of Divorce

Divorce is never an easy time. If you and your spouse are both listed on the family home, you have several options. Before you choose a divorce loan, it’s important

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Sellers Don’t Like FHA Loans

If you’re a first-time homebuyer, you may have heard that sellers don’t like FHA loans. You were probably left wondering why the seller would care about the type of mortgage

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Why Does It Matter Where I Get My Pre-Approval?

As a consumer, you have a lot of choices when it comes to getting a mortgage pre-approval. You can go through your bank, go online, or go with a mortgage

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Homeownership After Divorce

Deciding whether or not to purchase a home after a divorce is a tricky decision for most. We’ve found that when it comes to homeownership after divorce, many of our

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Which Loan Is Right For Me? Fixed- vs Adjustable-Rate Loans

When you begin the homebuying process, you quickly learn there are a few different options to customize a mortgage to your unique situation. It can be a little overwhelming at

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To Rent or Buy?

Deciding to purchase a home is a major commitment, which is why people often struggle with the decision of whether to rent or buy a home. There are many financial

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Hiring A Divorce Mortgage Professional

In a divorce, the marital home is often the largest asset. In our experience, it can also be a large item of contention. This is often due to the emotional

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Your Escrow Account and Divorce

Divorcing your mortgage can be a tricky process. One of the most common questions we’ve received recently is about the escrow account and divorce. What happens to the money in

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