Mortgage Tips

You Can Get a Home Mortgage Even with Less than Perfect Credit

There appears to be a lot of ‘doom and gloom’ people out there regarding qualifying and acquiring a home mortgage. But, but getting a home mortgage is not as difficult as these people say. Of course are some borrowers with near-perfect credit who are being rejected for loans, but that shouldn’t deter anyone from applying [...]

Mortgage Broker Tip | Nostalgia Can Cost You

Over the past five to six years many of us have seen our home’s financial worth depreciate in value, and even those who live in San Francisco have felt the adjustment. The housing market has certainly changed from the hay days of the new millennium. Home mortgages were available without stated income, and well, that [...]

Amortization | The Ups, Downs, and Sideways

If you’ve contracted for any type of loan in your life, then you’ve possibly heard the word ‘amortization.’ But if you’re just now working your way through the mortgage loan process, amortization means the gradual repayment of a mortgage loan, both principal and interest, by installments. For the most, a repayment of a mortgage loan [...]

Looking for Home Mortgage? Take Stock In Your Finances First

Over the past few years, while the economy has gone through what I like to call an ‘economic adjustment period,’ millions of consumers have experienced hits to their credit scores. Whether it was their doing or something out of their control, like a layoff, either way, the result is the same. Lower credit scores, which [...]

The Do’s and Don’ts During A Mortgage Transaction

In our current paranoid lending environment getting qualified for a mortgage, whether it be a refinance or purchase transaction, is difficult to get qualified for, even for the most qualified borrowers. It takes a very knowledgeable broker to navigate you through the loan process as the guidelines and regulations in our industry are under constant [...]