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Tag Archive | "mortgage loans"

Put Funds In The Bank With A Cash-Out Refinance

A cash-out refinance mortgage repays your current balance with a larger loan and gives you the difference as a lump sum of cash at closing. You can use this money for anything that you wish, but some choices are wiser than others. There are few proper uses to cash out in this way and plenty […]

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Don’t Take The First Mortgage Package On Offer, Get What Works For You

Home lending is a gigantic industry in the United States; in 2014 lenders originated $1.24 trillion in new home lending and there are more than 7,100 lenders. There are plenty of different mortgage plans available for you to choose. So, as a consumer considering taking on a new mortgage, you can afford to be picky. […]

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When Would You Leave One Partner Off The Loan Application?

Spouses Go Solo They do say that two can live as cheaply as one and a marital partnership usually supports the case for homeownership.  However, occasionally one partner has a mark on their credit history that makes the exception to this rule. In such situations, it might be better to leave them off the loan […]

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Match Your Home Finance Approach To Your Stage Of Life

As A Borrower, Either Millennial, Gen-Xer or Baby-Boomer Be There are three distinct stages in a homeowner’s life. Let’s call them Millennial, Gen-X, and Baby-boomer, and while these terms imply distinct generations you can think of them as a series of financial stages that lead one to another, ascending the ladder of wealth. Arguably, homeownership […]

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VA Loans: Who Gets Them And Road Blocks That Veterans Encounter

Americans who have actively served their country in all branches of the military and having left the service with anything other than a dishonorable discharge have access to a wide range of benefits from the Department of Veterans Affairs.  Under the Veterans Administration (VA) this includes assistance in purchasing a home. Great Terms On Home Loans […]

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Should You Take The First Loan Your Lender Offers?

Crafting The Right Loan For You The principle here is to get prequalified with confidence but get pre-approved sparingly. The difference is that for the latter, you will have to have a hard inquiry on your credit report that adversely affects your credit score every time you do it; too many home loan inquiries could […]

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Switching Jobs Can Affect Your Home Loan Prospects

If you’re about to switch jobs while you have a home loan application in progress, have no fear as long as you keep your lender informed. Be straightforward with your lender about change of jobs or pay structures and are able to submit relevant paperwork, then you will likely still be eligible for a mortgage. Always […]

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3 Steps When the Appraisal Comes in Low

Its one of those things that make you stop and do a double take. When the appraisal comes in low it’s not like you can just drop your bid, the most common outcome is that the lend just declines to lend on the property. You are back to square one and you have to go […]

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Home Appraisal Basics: Who Needs An Appraisal?

When it comes down to the home appraisal basics what matters is the value that the lender will agree on as much as what the seller is willing to accept. This is because in many ways real estate sales are complicated transactions that involve large investments and the work of many interested parties. Home Appraisal […]

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Mortgages For Retired People: Can Retired Home Buyers Get A Mortgage?

Ever wondered what a person should do who is currently retired from his or her job but always had a dream of buying a home? If he or she is not actively earning, then is that person eligible for a loan? The answer to this question is very comforting. As per the Equal Credit Opportunity […]

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