Loan Programs

Ready to Own a VRBO or Airbnb IRL?

Have you gotten bit by the travel bug? You’re not the only one. The desire for people to get out of the surroundings they have been in pretty constantly for the last 18 months is increasing the demand for short term rentals. If you have ever had interest in owning an investment property, now may be the time to take the plunge and purchase your first. Not sure where to start? We have you covered. Read on for some tips on taking the plunge. Read More

Current Mortgage Industry Q & A

2020 was just about the craziest year in recent history for many reasons, but the mortgage industry provided one of very few bright spots. Rates were at all time lows and seemed to get lower every week. We are now halfway through 2021 and the surprises in the mortgage world just keep coming. Read on for some commonly asked questions and our best attempts to answer them. Read More

The Mortgage Process: Part 5, Closing

With most of the steps of the mortgage process in the rearview mirror, it is now time to cross the finish line and close on your new home. Phew! What does the closing process look like? Read on for what to expect when you come to the closing table. Read More

The Mortgage Process: Part 4, Processing and Underwriting

Pre-approval? Check. Offer on the perfect house accepted? Check. Mortgage application process completed? Check. Ok, so what is next? Well, this step is really for us rather than for you. Up next in the mortgage process is Processing and Underwriting. Read on to learn more about these next steps. Read More

The Mortgage Process: Part 3, Application

You have found “the house” and your offer has been accepted… Really exciting stuff! But what’s next? When you initially completed your application, upon review and approval, your lender either provided a pre-qualification or a pre-approval letter. The terms are similar, but not the same. A pre-qualification is a pretty vague application including very basic pieces of information. While this information may have allowed your lender to give you the initial OK to search for homes... If you chose this route, now that you have found the house you are going to purchase, it is time to revisit that application and add more specific documents and information to keep your loan file moving along in the process. Read More

The Mortgage Process: Part 2, The Search

Now that you’ve taken your first step toward homeownership and have met with a Mortgage Consultant to better understand how much you are approved to spend on a home, it’s time to move onto the more exciting step two… SHOPPING! In this article we’ll cover how to get ready to shop for a home, beginning the home search process and some tips and tricks we have learned over the years supporting our clients. Read More