Tips To Avoid Credit Road Blocks

When you go through the steps in obtaining a mortgage it is important to maintain your credit throughout the entire process, even after your loan is approved. Lenders may need to check your credit multiple times to verify the numbers making certain you are eligible for the loan. If you begin making large purchases or ...

Finding The Right Loan For You

We offer many different loan programs to fit the needs of our customers. When choosing a loan option, first take a look at your financial picture and how you expect your finances to change. You will also want to decide how long you plan to stay in the home and how you feel about having ...

What is Your Home Worth? The Truth About Appraisals

The first thing appraisers look at is the outside of the home. Curb appeal does matter, because the condition of the exterior of your house, including paint condition and the landscaping, directly reflects the interior of your home. A good looking lawn implies that the interior is taken care of as well. A common misconception ...

How Can HARP 2.0 Help You?

The Home Affordable Refinance Program, also known as HARP 2.0, was released in March 2012 and gave borrowers an opportunity to refinance to a lower rate and save on their monthly mortgage costs. Before this program borrowers could owe no more than 125% of the value of their home. The new guidelines have no limit ...

What FICO Score is used?

Planning Ahead for Home Ownership:

Establish good credit habits. Use credit cards responsibly. Create a spending budget and don’t exceed the limit. Keep up with your monthly payments, making sure to pay them on time. Start saving for a down payment. The larger the down payment you can put on a house the less interest you will have to pay ...

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