Loan Product/Info

Uses of Your Home Equity

Your home equity is an incredibly valuable asset which you may not even realize you can access. We’re here today to tell you that, as a matter of fact, you can! First and foremost, you can get a home equity loan using what you’ve earned off of your home. A home equity loan is particularly…

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Tips for Getting Your First Mortgage

Getting your first mortgage can be intimidating as you’ve likely been saving for a long time. Today, we’re covering some tips that should help you when getting your first mortgage, so read on. Initially, it’s vital that you figure out how much you can afford to borrow. This will allow you to determine important facts…

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Home Price Negotiation Explained

Negotiating the price of a home can be an intimidating process, yet is a highly common (and important) thing to do. Today we’re offering some tips to help you with this process! You should always respond to the seller quickly if you want to negotiate the price of a home, or even if you don’t…

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The Underwriting Process Explained

Underwriting is the process of someone verifying your assets in order for you to be approved for a loan. This step in the process is what gets you approved for a loan, so read up to learn how you can speed it up to get into your new home by the closing date! The documents…

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What to Know About Construction Loans

When it comes to construction loans, there are two types of construction loans to consider. First off, there are construction to permanent construction loans. These loans are simple. You essentially borrow money to pay for the construction. When it’s complete, the lender will convert the loan balance into a permanent mortgage. Essentially, this type of…

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What is a HELOC?

What is a HELOC and how exactly is it useful? Today we’re covering the basics of a home equity line of credit, so read on for more details and see if it can work for you. With a HELOC, you borrow against the available equity in your home and the house is used as collateral…

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How to Pay off Your Mortgage Early

To some, paying off your mortgage early may seem impossible. Like with most things, when considering paying off your mortgage sooner rather than later, every penny counts. On our blog today: tips to relieve stress and pay off your mortgage early! Before considering any of the tips below, always check with your mortgage officer to…

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Reasons to Buy a Home in Winter

A lot of people may think of browsing a neighborhood looking for “For Sale” signs during the spring and summer. The weather is nice during the spring and summer and you get to see yards in their best condition. There are great reasons to consider shopping in winter, including the opportunity to potentially save money.…

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Factors that Can Negatively Effect Your Mortgage Application

There are some things to keep in mind with your mortgage application to increase your chances of being approved. Read on to learn more! The first technical item your loan officer will likely want to know after going through the basics is your credit score. The better your score, the less likely it is that…

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How PMI Saves You Money

PMI, or private mortgage insurance, provides protection in case you default on your loan. If you are able to make a 20% down payment, it is not required that you have private mortgage insurance. If you are unable to make a 20% down payment, then you may be required to pay a monthly premium for…

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