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For many prospective homebuyers, including first-time buyers, the FHA loan program is ideal. Backed by the Federal Housing Administration and offering low interest rates and flexible qualification thresholds, FHA loans are some of the most commonly-used loans among first-time buyers -- but those in this position may need a hand when it comes to their […]

Many who are entering the home market are well aware that the FHA program is one of the most prominent loan types available, especially for first-time homebuyers. Did you realize, though, that even within the FHA program realm, there are multiple different sub-types of loans that might be ideal for you? At Integrity First Lending, […]

As many are well aware, there are plenty of situations where current homeowners who hold a mortgage will be looking to refinance it, whether for lower monthly payments, more stable payment structure or for other reasons. But because certain specialty mortgage programs differ from conventional loans in several ways, there are those who wonder whether […]

For those who qualify, including active military, spouses and veterans, use of the VA loan program is enormously beneficial. Coming with special features like no down payment and no private mortgage insurance, VA loans are one of the government's ways of giving back to its service members -- and if you're looking to take advantage […]

There are several forms of mortgage refinancing that homeowners might consider depending on their situation and their financial needs, and one of these involves converting from one loan program to another that might be more beneficial. One example here is a refinance from the FHA loan program into a conventional loan -- why is this […]

You may receive a number of tips during a mortgage and homebuying situation, and one you may hear is to avoid any situation where you'll be changing jobs during this process. It's true that there are some situations where a job change during a mortgage application or homebuying setting, but it's important to understand the […]

There are a few different reasons why you might consider refinancing your mortgage, from obtaining a lower rate to several others. Many of these will include some important timing-related elements -- choosing exactly when to refinance will often make the difference between a profitable and unprofitable experience. At Integrity First Lending, we're happy to provide […]

Homes can serve both personal and investment purposes in many situations, and a good example of this theme is among those who consider the purchase of a second home. Those who have the financial flexibility to do so may find several different benefits from this move -- both in terms of personal or family comfort […]

In today's competitive housing market, buyers are always looking for little ways to help their home offers stand out to sellers. One method that may be useful for you here: Including a cover letter with your offer. At Integrity First Lending, we've assisted numerous clients with obtaining a quality mortgage loan, plus with using their […]

There are several important steps that make up a home search and mortgage application process, and one of them that's often among the most exciting for buyers is touring homes for sale. At the same time, it's important -- especially for first-time buyers who haven't been through this process before -- to know what to […]