When you are purchasing a home, your lender may recommend you obtain a mortgage pre-approval before you find the home of your dreams. There are some benefits to being pre-approved before you find a home, but oftentimes, people confuse pre-qualifications with pre-approvals. So the question many buyers have is what exactly is a mortgage pre-approval? In a nutshell, it's when the lender provides you (the buyer) with a letter stating that your mortgage will be granted up to a specific dollar amount. … [Read more...]
The Job Of A Mortgage Loan Originator
Do you want to purchase a house? If you cannot pay cash for your house, you will need to apply for a mortgage. A mortgage loan originator can help you find the right mortgage to meet your needs. What are some of the job duties of a mortgage loan originator, and how can they help you with the financing process? Provide You With a Budget The house-hunting process can be exciting, but it can also be a bit stressful. How do you know if you can afford your dream house? This is one of the first jobs … [Read more...]
Why You Receive So Much Junk Mail After Closing On Your Home
Congratulations! You have finally closed on your home loan, and you are excited to get moved in. Or, you may have just refinanced your home, and you are excited to enjoy it. Regardless, all of a sudden, you start to get a bunch of junk mail in your mailbox. It can be frustrating to sort through everything, and how did they get your information in the first place? Where Junk Mailers Get Your Personal Information First, there are a few locations where junk mailers may have gotten your … [Read more...]
What To Know About The 2-1 Buydown Program
You are probably excited to close on your home, but you may have also seen that your interest rate might be a bit higher. If you are looking for a way to save money, particularly if you have a lot of work to do on the home, you might be looking for a way to reduce your interest rate during the first couple of years. One option is to perform a 2-1 buydown. What do you need to know about this option, and how do you know if it is right for you? How A 2-1 Buydown Works This is a special type of … [Read more...]
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