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Mortgage Articles

How much can you afford?

How much can you afford? Deciding how much house you can afford is a personal decision.  Many factors come into play.  How much can I borrow?  How much can I put toward my down payment?  What size monthly payment can I afford? There are no black and white answers to these questions.  Its a matter […]

HOW CAN YOU IMPROVE YOUR CREDIT SCORE

How can you improve your credit score? It’s virtually impossible to change your score in the time between when most people decide to buy a home or refinance their mortgage and when they apply. So the short answer is, you really can’t “on the spot.” But there are strategies you can live with to make […]

Lender Services…

We provide The HERS Rating & Documentation There is an emerging market force towards energy efficient homes. From Florida to Alaska mortgage lenders are increasingly using energy mortgages to make homes more affordable and poising their companies to capture this new market trend. In 1995 the Residential Energy Services Network (RESNET) was formed as a […]

Give your mortgage an annual once over

If the last time you looked at your mortgage was when you closed on your loan, it’s time to take it out for an annual once over. New loan programs and opportunities to leverage your home equity can bring you lower mortgage payments and new investment opportunities. Is a fixed rate mortgage the best choice […]

WHEN IS A GOOD TIME TO REFINANCE ?

What does it cost to refinance? What are the benefits? Ever heard the old rule of thumb, you should only refinance if your new interest rate is at least two points lower? That may have been true years ago, but with refinancing dropping in cost over the last few years, it’s never the wrong time […]

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