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When you shop for a first-time home loan, you will come across a wide range of options. Fixed-rate mortgages are popular, as they come with several advantages. However, going with a fixed rate loan is not the right choice for every home buyer. Getting a home loan that meets your individual needs is important, so […]

The traditional path to becoming a landlord is to save up money to purchase a rental home. Taking out an investment property loan is a shortcut, allowing you to achieve your goals sooner. However, when it comes to financing investment properties, the options are somewhat limited. Many programs, including VA home loans and FHA mortgages, […]

Why would you want to use a broker for your home loan? It would be easy to just run to your nearest bank or credit union. But this may not be the best way to get a loan that is created just for you. Like everything else, there are good loans and bad loans. Lenders […]

Do you qualify for a VA loan? Ultimately, the U.S. Department of Veterans Affairs has the final say, but many service members, reservists, veterans and their surviving spouses meet the VA loan eligibility requirements. An experienced loan officer can determine whether you’re likely to qualify, but these are the basic guidelines for qualification. VA Loans […]

Becoming an investor in real estate is a great way to make a “long term” profit in today’s real estate market. But getting a loan with current lending standards can be out of the reach of most investors. An investment property, one that you don’t live in but rent out, is a great way to […]

There is great power in being a first-time home buyer, even though you may not feel like it. For starters, you have access to special loan programs that can help you close a loan more quickly and less expensively than if you had already purchased a home before. In first-time mortgage loans, you can expect […]

You invest in real estate to make money. The best investments are those that make the greatest amount of money with the least amount of effort. So you want to put a value on the time you spend managing your investment as well as the money you put into it. How do you make more […]

For most home buyers, closing costs are one of the biggest up-front expenses of a new home loan – and sometimes they come as quite a surprise. You’ve saved and saved for your down payment and, now, you have to come up with thousands more to close on your mortgage? Fortunately, we have some simple […]

Whether you’re looking to refinance your current mortgage or you’re looking for a new loan, you need to know about private mortgage insurance (PMI) and how it affects you. PMI is a privately secured insurance that is required on conventional loans with less than 20% equity in the property. This insurance protects the lender against […]

Years of building up equity in your home can work in your favor. Before you get ready to call your broker and get your new home upgrade or refinance started, you want to get the most out of your equity. That means getting the best appraisal. An appraiser is a third party that will give […]