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Mortgage

Mortgage & Loan information to help you buy or sell your home

How Do Rising Interest Rates Impact Your Mortgage Payment?

How Do Rising Interest Rates Impact Your Mortgage Payment?

A slight increase in your mortgage interest rate can significantly increase your mortgage payment amount. Here’s what you need to know.

Amber Martinez

What Does it Mean to Buy Down Your Mortgage Rate?

When you buy down your mortgage rate, you have the chance to access reduced interest on your loan.

Tom Monaghan

What is a Good Credit Score for a First-Time Homebuyer?

What is a good credit score to buy a home? Ranging between 650 and 850 is optimum, but it is possible to secure a good deal with a score below 620.

Scott Castillo

What’s the Debt to Income Ratio to Get a Mortgage?

While 43% is typically the maximum debt to income ratio to get a mortgage, lenders prefer a 36% debt to income ratio or lower to qualify for loan benefits.

Scott Castillo

What's the Difference Between Adjustable and Fixed-Rate Mortgages?

To decide between an adjustable vs. fixed rate mortgage, speak to your lender and observe the current market conditions to find the loan best for you.

Amber Martinez

Agent or Lender: Who Should You Speak to First When Buying a Home?

Do I need to speak with a lender first or find my agent? To achieve a streamlined purchase, the best solution is to find both your agent and lender early.

Scott Castillo

What Credit Score Do You Need to Get a Mortgage?

What credit score do you need to get a mortgage? There are flexible loan options available for almost all credit scores.

Scott Castillo

Pre-Qualification vs. Pre-Approval: What's the Difference?

Traditionally, the difference between pre-qualification vs pre-approval is whether or not the lender verifies the information.

Tom Monaghan

A Guide to Down Payment Assistance for Homebuyers

Owning a home is a gateway to long-term financial stability. Buying a house gives you and your family a place to live, but it is also an investment. Over time you gain financial equity in your property in two ways: first, by paying down your mortgage & subsequently gaining equity in your home and second, through appreciation as the value of your home rises (hopefully) with the real estate market. One of the biggest challenges to making a first home purchase is the down payment. In a survey by Z

Amber Martinez

What Credit Score Do You Need to Buy a House?

Curious about the requirements for your credit score to buy a house? Lenders look for scores above 620, but buyers have options to accommodate scores.

Amber Martinez
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