The federal government has aimed to help increase homeownership for decades. One of the Federal Housing Administration’s many programs to help Americans in their homeownership dreams is the Energy Efficient Mortgage program (EEM). Many homes, especi
Jul 17, 2019 | FHA Loans Government Loans
Once you get serious about buying a home or refinancing your current mortgage, you will probably hear the term “loan-to-value ratio” mentioned by your lender. What is this ratio and how does it affect your mortgage? Loan-to-Value Ratio D
Jul 10, 2019 | Credit
We want to wish you a Happy Fourth of July! It is because of clients like you who believe in this great country and the dream of homeownership that we have reason to celebrate. "We hold these truths to be self-evident, that all men ar
Jul 03, 2019 | Mortgages
Mortgage refinance loans require fees and closing costs. Is there a way around those fees? Is it possible to refinance without paying closing costs? The answer is yes, although the rest of your loan will be affected. The typical fees associated with refi
Jun 26, 2019 | Refinancing a Home Closing Costs
Adding real estate to your investment portfolio can be a great asset… if done correctly. Buying a property to flip or rent out has different mortgage requirements than a primary residence. There are always hidden costs that need to be anticipated a
Jun 19, 2019 | Purchasing a Home
Private mortgage insurance (PMI) is required by lenders when borrowers contribute less than 20% of the home’s value as a down payment. This insurance protects the lender, not the homebuyer. If the loan borrower defaults on the mortgage for any reaso
Jun 12, 2019 | Conventional Loans