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Recent Articles

Feb
09
2017
How to Calculate Your Debt-to-Income Ratio
  How Much Home Can You Afford?  When you apply for a mortgage, your prospective lender will check several factors, including calculating your debt-to-income ratio in order to determine the amount of mortgage to extend to you. You can get a jump start on the home buying...
Feb
01
2017
USDA Loans: The No Down Payment Loan Program That May Work for You!
  Are you hoping to buy a home in 2017 but worried about the down payment? Looking to live outside of a big city – whether that be in a small city, town or out in the country with plenty of space? Many Americans can afford the monthly mortgage payment on a home for their family, but...
Jan
18
2017
Will I Qualify for a Mortgage on Part-Time Income Alone?
I only work part time but want to buy a home – will I qualify for a mortgage on part time income alone? In today’s economy, many people make their income by working one or more part-time jobs versus a traditional full-time 9-5 job. While there are some assumptions made that...
Jan
11
2017
FHA Cuts Mortgage Insurance Premiums
  The Federal Housing Authority, or FHA, cut the annual mortgage insurance premium interest rate by .25% for FHA borrowers who closed on their new homes on or after January 27, 2016, making now a great time to buy and save in the process! What are FHA-backed loans? The FHA does not...
Dec
28
2016
Can You Use Your VA Entitlement While On Active Duty?
VA mortgage loans are loans which are offered by the US Department of Veterans Affairs and backed by the United States federal government. They offer an array of benefits and mortgage options to veterans, active duty service members and a select group of other individuals connected to...
Dec
16
2016
Using Holiday Cash as a Down Payment?
Many families like to gift cash at Christmas, especially to those close family members who anticipate having a large expense upcoming in the new year, like a wedding, a vacation or a home purchase. Still others gift cash because it’s easy and loved by all. If you are thinking about...
Dec
09
2016
What is a Reverse Mortgage?
A reverse mortgage, also known as home equity conversion mortgage, is a very different loan product than a traditional mortgage, used to purchase a home. In fact, reverse mortgages are for homeowners – not those looking to purchase a home. Reverse mortgages function...
Nov
30
2016
Calculating Your Total Monthly Mortgage Payment
In many areas of the country you can purchase a home and pay less for your monthly mortgage than you might pay for rent – however, when looking at mortgage calculators online, be careful that the monthly mortgage payment you’re looking at is the complete picture of all...
Nov
17
2016
3 Strategies to Beat an "All Cash" Offer
As the housing market across the country continues to rebound, many areas have become “seller’s markets” – a market in which there are more buyers than there are homes for sale and where sellers are more likely to have their choice of buyer and to be able to...
Nov
09
2016
All About ARM Mortgage Loans - Should You Get One?
There are many mortgage products available on the market today, which is great for buyers who now have more than one option for purchasing a home. There are your traditional 15-year or 30-year fixed rate mortgage loans (which are often just called conventional mortgages), adjustable...
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