The Loan Process
Here is an overview of the loan process from start to finish. This is everything you will need to expect during the mortgage process. Our team will be here to …
Qualifying Debt to Income Ratios
A major factor in qualifying for a mortgage is the borrower’s debt to income ratio (DTI). When calculating your debt to income ratio, you first add up all of your …
For the second time buyers…
Some of my conversations with second time home buyers start off with uncertainty of where they should begin. Particularly the ones who currently still own their first home. While some …
Converting Your Current Home into a Rental Property
I have many potential home buyers looking to convert their current home into a rental property so they can buy a new home. The first thing a lender will ask …
Guidance on locking your rate
It’s all about risk. Between the times you start your application and the time you close your loan, interest rates will do what they always do – change. At times, …
The refinance process
Searching for information regarding refinancing? I have put together a quick summary of the process from application to closing below. The Application After we determine that a refinance will be …
Pre-Qualification vs. Pre-Approval
We often have conversations with our clients regarding the difference between a pre-qualification and a pre-approval. Some clients believe that these are the same thing. It is important to know …
Monthly Mortgage Payment and Cash to Close
When it comes down to it, as consumers, we all want to know the bottom line, the numbers. It is important to understand what you are paying for something and …
Putting together the Perfect Mortgage Application
When looking for a home, preparing in advance will save you time and trouble once you’ve started making offers. When the time comes for a mortgage application we send our …