Blog

One of the most common forms of income included on mortgage loan applications that we see is rental income. Unfortunately, the rental income figure that most applicants list on their…

When purchasing a home, one of the first questions to answer is what type of property you want to purchase. There are a host of different types of residential properties,…

Student loans have been a hot-button issue for quite some time. While almost everyone agrees that total student loan debt poses a significant financial threat to our economy, reform has…

Credit scores are a major factor in personal finance – especially when it comes to mortgage loans. Most residential mortgage loan programs have minimum credit score requirements for eligibility. Furthermore,…

Dealing with poor or damaged FICO credit scores can seem like fighting an unending battle. Perhaps you have been sliding to the bottom of the mountain for years due to…

One truth about building a strong credit and FICO score profile is that it takes time. An individual can not jump from having no credit history to excellent scores quickly….

Occupancy type is a major factor in mortgage loans. Occupancy can have a large impact on interest rates when it comes to residential mortgage loans. The type of occupancy will…

Homeowners (or property) insurance is necessary to protect you from major damages and repair costs which often arise through natural disasters, theft, or accidents and it is required when qualifying…

When buying a home, the financial aspects can be overwhelming, and one critical factor that homebuyers should consider is seller credits.  Seller credits, also known as seller concessions or seller…

Real estate transactions involve multiple parties, such as buyers, sellers, realtors, escrow, and title companies. The cooperation from all of these parties is needed for a successful closing to occur….