Online banking has become essential for managing personal and business finances efficiently. Whether you’re keeping track of mortgage payments, monitoring expenses, or preparing for tax season, having easy access to…

When shopping for a home loan, you may encounter an adjustable-rate mortgage or ARM. Unlike a fixed-rate mortgage, where the interest rate remains the same throughout the life of the…

Conventional Loans Conventional loans are the single most common loans that people obtain when buying a home. All conventional loans meet standards set by the Federal Housing Finance Agency and…

Documenting funds to close and reserves is often one of the most cumbersome parts of the entire mortgage loan closing process. While mortgage lending guidelines are rigid when it comes…

We are happy to announce that in anticipation of the new Conforming loan amount increases for 2025, we will now be accepting conventional loans up to $802,650!  Why does this…

It is no secret that mortgage rates have been incredibly volatile for the past few years. Some of the largest ever individual intra-day or intra-week shifts have taken place during…

Applying for a mortgage can feel overwhelming. The first step to getting started with the mortgage loan process is to complete a loan application. In case you are wondering what…

You’ve been working on your loan application and providing documents to your mortgage lender when they finally notify you that you have been “Cleared to Close”.  Clear to Close is…

Are you purchasing a new residence while looking to hang onto your current residence?  While this is a common goal/strategy for many homeowners it can be challenging to pull off…

When applying for a mortgage, your mortgage loan originator will request income documentation, such as your federal tax returns. These documents are needed because they are required for most traditional…