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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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.
Conventional loan guidelines were created by the government and are enforced to protect the lender, borrower, and investor.
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
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
Nearly everyone that comes to us for a mortgage or refinance comments on the amount of paperwork they have to provide us with. We know, it is a lot. In
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
We get questions regarding buying a house with student debt all the time. Can I get a mortgage when I have student debt? How can I save for a down
What is a home appraisal? Is it the assessed value or is it determined during the home inspection? It’s neither. A home appraisal is a qualified third-party’s educated opinion on
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
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