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The 6 (Not-So-Simple) Steps to Securing a Home Loan

February 27, 2015

in Home Buying Guide | Tagged , , , , , ,

From the word “mortgage” to the methods used by lenders to determine how much to loan, the home loan process can be confusing to first timers. In fact, one third of the respondents to a 2011 Wall Street Journal survey of homebuyers said that the most difficult part of buying a home was understanding the […]

How Your Credit Score Affects Your Mortgage Rate

September 14, 2012

in Home Buying Guide, Mortgage Interest Rates | Tagged , , , , , , , , , , ,

Credit checks are a necessary part of applying for any loan, but they are especially important during two stages of the loan process: on the day you apply for a mortgage and shortly before closing on the loan. The first credit check is to ensure that you pay your bills on time and have sufficient […]

What is Mortgage Life Insurance?

June 15, 2012

in Home Buying Guide | Tagged , , , , ,

The pitch is typically delivered on a postcard that arrives in the mail. Look closely – it’s most likely from your bank, not your insurance agent. The come-on: If you die (sad music in the background), your family will be forced out of their home if they can’t make the mortgage payment. Ah, but wait. […]