Many mortgage companies along with the internet would have you believe getting a mortgage with bad credit cannot happen. It is true the process will be more difficult and challenging, but it … [Read More…]
Tax return losses may hurt your mortgage chances
Qualifying for a mortgage involves: an acceptable credit score, sufficient assets and stable income. These are to show you can support a mortgage payment, plus other liabilities. You must have a balance … [Read More…]
Why an FHA loan may be a suitable choice
FHA loans have gotten a bad rap in the last few years. Here is the Granddaddy Truth about FHA loans, you should really consider if you are looking for mortgage options! FHA … [Read More…]
Strange things that will stop your mortgage application
If you are trying to get a mortgage, or have tried in the past, you know the process is detailed and very paperwork heavy. The following is what you should know … [Read More…]
Is a 50 year mortgage a good move?
Are you looking to afford a mortgage? A 50 year mortgage may be an option, but here are some things to consider when looking at a long mortgage term. These loans are … [Read More…]
Can I Refinance My FHA Loan?
Yes, in fact if you took out an FHA mortgage in 2013 or 2014, your mortgage insurance premium on an annualized basis was likely upwards of 1.3% of your loan amount driving … [Read More…]
Do I Need To Provide Bank Statements For Getting A Sonoma County Loan?
Yes, lenders will need full supporting documentation showing cash to close and/or savings in the bank necessary for qualifying on whichever loan program you are working with. Expect lenders to require at … [Read More…]
FHA Mortgage Insurance Premiums Now .85%
The mortgage insurance premiums on FHA loans has now been reduced .85%. This represent more borrowing ability for mortgage consumers looking to purchase or refinance their homes. On a loan of $300,000 … [Read More…]
What's the best way to determine a breakeven on a santa rosa refinance loan?
This can be accomplished in a variety of ways, but the most common way is to take the monthly savings you generate by refinancing your home and divide it into the capital … [Read More…]
Should I work with a mortgage broker or a mortgage lender?
Depends-primarily on who you feel comfortable with. Let’s be honest, this is the largest transaction most people ever take on in their entire life and should be handled with somebody who knows … [Read More…]
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