Mortgage

Can You Apply for a Mortgage Without 2 Years of Working History?

When applying for a new home mortgage, lenders look at a variety of different factors in order to determine whether or not a home buyer has the ability to repay the loan and how high a risk they may be to them. These factors can include your credit score, debt-to-income (DTI) ratio, and employment history. …

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Can You Apply for a Mortgage Without 2 Years of Working History

Is it Safe to Buy a House with Aluminum Wiring?

If you are searching for your dream home, chances are you are looking at how many bedrooms and bathrooms the house has and not focusing on the wiring within the house.  Unfortunately, if you are looking at homes built in the mid-1960s to mid-70s, the use of aluminum wiring throughout the home can be more …

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Is it Safe to Buy a House with Aluminum Wiring

Can You Get a Mortgage Without a Job?

When you consider a home mortgage, the first thoughts are often about credit scores, interest rates, down payments, and proof of income. But what happens when you don’t have a job? Can you still qualify for a mortgage without employment? The fact is, many self-employed and retired individuals qualify for a home-buying mortgage every day, …

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Can You Get a Mortgage Without a Job

Prequalified or Preapproved Mortgage: Which Is Better?

If you are looking to buy your first home, chances are you have heard terms like “prequalification” and “preapproval,” but what do these terms really mean? What is the difference between prequalified and preapproved and what does it mean when you are shopping for your new home? Here we take a closer look at each …

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Prequalified or Preapproved Mortgage: Which is Better?

What’s the Primary Benefit of Being Prequalified for a Mortgage?

As you begin looking for your dream home, chances are you will have a real estate agent ask if you are prequalified for a mortgage. While you may not think about financing before even looking for a home, a mortgage prequalification can be a powerful tool to arm yourself with before you even take that …

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What’s the Primary Benefit of Being Prequalified for a Mortgage

8 Things You Should Know About Physician Mortgage and Its Rates

As a physician, dentist, or other licensed healthcare professional, buying a home can be a challenge despite being a high-income prospect. A high debt-to-income ratio due to school loans often becomes a roadblock when it comes to obtaining a home mortgage. For this reason, many lenders offer physician mortgage loans that often have fewer qualification …

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First-Time Home Buyer Loans with Zero Down Payment

If you are considering buying your first home, chances are you have been wondering how much money you will need as a down payment and how you will be able to save that money. For many first-time home buyers, this down payment often creates an obstacle to home ownership. But what if there was a …

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First-Time Home Buyer Loans with Zero Down Payment

How Do I Qualify for an FHA Home Improvement Loan?

If your home is in need of repairs to make it more livable, such as improvements for energy efficiency or a new, more modern bathroom or kitchen, an FHA Title 1 loan is one option to help finance those repairs. While many borrowers opt for a home equity loan, an FHA Title 1 loan offers …

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How Do I Qualify for an FHA Home Improvement Loan

How to Get a Home Loan That Includes Renovation Costs?

Whether you have an existing home that needs a new kitchen, or you have an eye on a new home with a low asking price but a lot of necessary home renovations before it is really livable, a home renovation loan can allow you to make the necessary home improvements without the cash upfront. These …

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How to Get a Home Loan That Includes Renovation Costs
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