Q&A

Mortgage rates are up so will I qualify for a loan?

June 18, 2018

Question: Will I be able to qualify a loan now that mortgage rates are up? Answer: No doubt mortgage rates are up. This does not mean mortgage loans are no […]

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Q&A

What Makes A Mortgage Affordable?

June 6, 2018

Question: With both home prices and mortgage rates rising during the first half of 2018 are lenders doing anything to ease credit requirements so that homes are more affordable? Answer: […]

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Q&A

Mortgages: Can I Still Get A Seller Contribution?

May 14, 2018

Question: We want to buy a home and we want the sellers to pay some of our mortgage costs. They’re getting a lot of cash at closing and through our […]

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Q&A

Why Should I Pay For An Appraisal?

April 30, 2018

Question: We’re buying a house. It will cost us almost $500 to get an appraisal. Given free online estimates this seems like a huge waste of money. Isn’t there a […]

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Q&A

Is Now The Time To Lock-in Mortgage Rates?

April 16, 2018

Question: We’ve been speaking with a mortgage lender and she said that in the face of rising rates that now would be a good time to get a lock-in. What […]

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Q&A · Uncategorized

Does Tax Reform Make Real Estate Less Attractive?

April 4, 2018

Question: Given tax reform does it still make sense to buy a home when you can get a rental in many markets for the same money or less? Answer: The […]

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Q&A

Yikes! How Do We Cancel Mortgage Insurance?

March 5, 2018

Question: We pay a hefty amount each month for mortgage insurance. Paying down principal would be a much better use of our cash. How do we get rid of mortgage […]

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Q&A

Why is the Total Bill For a Home More Than the Borrowed Amount?

February 12, 2018

Question: We went to see a lender and it was a terrifying experience. The lender says we can afford to borrow $225,000 at 4 percent interest. Our monthly payment will […]

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Q&A

Why Do Credit Scores Suddenly Decline?

January 19, 2018

Question: Our credit score recently declined so we got free copies of our credit reports but could not find a single incorrect entry. We haven’t gone out and bought a […]

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Q&A

What do Loan Limit Increases Mean for Me?

January 5, 2018

Question: Mortgage loan limits have increased for 2018. What does that really mean for the real estate market? Answer: There was a time when new mortgage loan limits – the […]

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  Mortgage expert Tim Lucas has been helping home owners for over 12 years.

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