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Types of mortgage loans | The 2 Main Types of Home Loans

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Buying a home isn’t necessarily difficult—but figuring out your financing can be.  Navigating the loan process can be confusing, and you may be having trouble deciding what type is right for your needs.  To make sure you choose the right loan for you, I’m going to break down the two main loan types and outline […]

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Documents required for home loan | Pre qualified vs pre approved

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Getting a mortgage today requires way more paperwork than it did in 2007. Let’s discuss Documents Required For A Mortgage Loan.  In the years prior to the Great Recession, it was easy to get a mortgage. I like to call it the wild west…Lenders offered loans to borrowers with just a statement like, “yeah I […]

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How to Budget For Buying A House

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Purchasing a new home is an exciting time for any buyer, and it’s easy to lose your focus on the numbers when you’ve fallen in love with a property.  While you may have imagined how you’ll decorate the living room or researched the nearest Starbucks to your prospective address, chances are you haven’t been thinking […]

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How long does it take to close on a house? House Under Contract, now what? Week 1

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You’re under contract—congratulations! Before you start celebrating, though, remember: we’re only halfway home.  Shopping for homes and finding your property was the fun part, but now we have to take it all the way to closing. There are many other parties involved in the loan manufacturing process once you’re under contract; they include the realtors, […]

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How long does it take to close on a house? House Under Contract, now what? Week 3

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Welcome to week 3!  By this time, you’re probably getting anxious—and super excited—to move into your new home.  The good news is that there’s not a whole lot of work for you to do during this period; on our end, we’re getting to work on all things financing to bring you to the finish line. […]

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How long does it take to close on a house? House Under Contract, now what? Week 4

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Congratulations, you’re almost home—literally!  You’re this close to turning the key and settling into your brand-new house, but there are a few things that need to happen first. Most sales contracts close within a 30-45 day period, though your specific contract might be a little shorter or longer depending on your negotiations.  Regardless of the […]

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The Ultimate Home Buyer Experience Foundation

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The foundation of the Ultimate Home Buyer Experience is one of the most important lessons you’ll learn.  In this portion of the course, we’re laying out all the financial-related information you’ll need to know before you even begin your home buying search. If you’re uncertain whether homeownership is even in your future, this foundation will […]

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Home Buying Tips | How To Get A Good Deal On A House | The Competition Crusher

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How would you feel if you found your dream home but lost it to a better, more qualified buyer?  What if you walked into a home and it was perfect, checking off all the boxes on your want list—but you lost it because you didn’t have your financing in order?  More than likely, these scenarios […]

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What is mortgage insurance? Do I need mortgage insurance?

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Have you heard friends or family members tell you that you need 20% down to buy a house?  If so, there’s a reason: once you have 20% equity in your property, you’ll no longer have to pay that dreaded mortgage insurance on your loan.  If you can’t put down this full amount, your lender will […]

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Mortgage rates calculation | What You Need To Know | Mortgage interest rates

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As a potential home buyer, you might be obsessing about interest rates—and that’s completely normal.  You naturally want to get the best mortgage rate possible, but you shouldn’t have to agonize over something that’s not in your control.  While it’s true that the higher the interest rate, the higher your payment will be, you also […]

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