Are you thinking about getting a loan for land? Below is a complete guide to vacant land loans. With the Federal Reserve pledging to not raise rates more in 2024 and mortgage lenders expanding their guidelines on land loans, you can expect many investment and construction opportunities to arise as a result. Keep this article… Read More »
Getting pre-qualified for a home loan is a critical step in the homebuying process, providing you with an estimate of the mortgage amount you may be eligible to borrow. It is always tempting when wanting to buy a home to go hit the streets and find your dream home. Then you make an offer. But… Read More »
Approaching retirement with a mortgage fully paid off can translate to increased discretionary income from fixed sources when you retire. While there are instances where the savings from paying off your mortgage prematurely may not surpass potential earnings from alternative investments, the non-monetary advantages, such as peace of mind, associated with early mortgage repayment may… Read More »
It is not easy to buy a home or refinance a mortgage if you have had a foreclosure or bankruptcy, but the good news is it is not impossible by any means. How easy or difficult it will be will depend upon several factors, such as the type of bankruptcy you had – 7 and… Read More »
A 15-year mortgage offers several significant benefits to borrowers looking to own their homes quickly and reduce overall interest costs. Mortgage rates have been very low in the last few years, especially for 15-year mortgages. Did you know that just a few years ago, Zillow reported 15 year mortgage under 3% for qualified borrowers? That… Read More »
When interest rates rise, homeowners stop refinancing to get cash out and start choosing the home equity loan programs because it enables them to preserve their low interest rate on their current mortgage. Homeowners love the freedom to utilize a home equity loan for a wide range of purposes, but it is advisable to refrain… Read More »
The VA mortgage loans offers amazing benefits for military home buyers seeking to buy a home with affordable financing and no down-payment. If you’re a military veteran or active-duty military, and you want to buy a home, consider the VA mortgage program that requires no money down and no mortgage insurance. For many active military… Read More »
An Energy Efficient Mortgage is a specialized home loan that enables borrowers to finance energy-efficient improvements to their homes during the purchase or refinance process. These improvements are designed to enhance a property’s energy efficiency and reduce energy consumption, resulting in cost savings for homeowners. EEMs are a part of the broader effort to promote… Read More »
Condo mortgage loans offer a pathway to homeownership for those who prefer the convenience and lifestyle associated with condominium living. However, the requirements for condo loans differ from those of traditional home loans. If you are considering the purchase of a condominium, you may wonder how much of a down payment you need to get… Read More »
There is a myth that persists in the mortgage lending world that you cannot get an FHA loan if you are self-employed. This is not true. While it is true that underwriters will scrutinize the self-employed mortgage application carefully, with proper preparation, a self-employed person can get qualified for a home loan insured by the… Read More »
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