Get the Best Rate When Refinancing Your Mortgage

Are you looking into refinancing your mortgage? You’re not alone. We’ve had many questions regarding refinances lately and wanted to take a moment to discuss how you can get the best rate.

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Qualify for a Conventional Loan

If you’re in the market for a new home, it’s important to know that the housing market is a seller’s market right now. That means there are a lot of

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Can I Borrow More Than the House Is Worth?

"Can I borrow more than the house is worth?" "If I’m pre-approved for up to a $200,000 loan and the house I want to purchase is only $150,000, can I get a loan for $200,000 and use the remaining $50,000 for remodeling?"

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Documents Needed To Apply For A Mortgage

Nearly everyone that comes to us comments on the amount of documents needed for a mortgage or refinance they have to provide us with. We know, it is a lot. But, in order to apply for a mortgage or refinance, we need specific documents.

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Buying a House with Student Debt

We get questions regarding buying a house with student loan debt all the time. "Can I get a mortgage when I have student debt?" "How can I save for a down payment while paying off student debt?" "I have a mortgage and student debt, should I start paying one off early?" Let's dive into it!

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Pre-qualification, Pre-approval, and Loan Commitment: What’s the Difference?

You’ve finally decided to take the plunge into homeownership, but finding out where to begin can be difficult. Here at Mortgage Specialists, we advise that you seek out a lender before beginning to house hunt.

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4 Common Home Buying Mistakes

When first-time home buyers come to us, we take the time to explain all the ins and outs of the mortgage process. We teach them what to look for and common home buying mistakes to avoid.

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Three Reasons to Get Pre-approved Early

It's generally best to obtain pre-approval early - before starting to look at homes. We recommend getting pre-approved as early as six months to a year in advance.

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Conventional Loan Guidelines

Conventional loan guidelines were created by the government and are enforced to protect the lender, borrower, and investor.

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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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