Q&A

What Do Lenders Count As Mortgage Income?

October 15, 2018

Question: What is mortgage income? I want to apply for a mortgage but worry that much of my income will not be counted. I receive child support plus much of my […]

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Q&A

Mortgage Interest Rates Versus The Mysterious APR

October 1, 2018

Question: I want to get a mortgage. Interest rates I understand but what is an APR and why is it higher than the interest rate? Answer: When you buy something […]

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Q&A

Is Cash-out Refinancing A Good Idea With Higher Rates?

September 24, 2018

Question: We want cash-out refinancing. The value of our home has increased significantly in the past five years. We want to now get a cash-out refinance but worry that rising mortgage […]

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Q&A

Why Has My Credit Score Gone Up?

September 5, 2018

Question: My credit score has gone up significantly during the past year even though my debts and monthly payments have largely stayed the same. Are the new numbers real or […]

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Q&A

Are Real Estate Closing Delays Common?

August 2, 2018

Question: Are closing delays common? We’re selling our home. The good news is that we have a buyer. The problem is that closing will be delayed because of a mortgage […]

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Q&A

Should I Value My Home With Online Price Estimates?

July 31, 2018

Question: Homes in our area are quickly selling and we’re thinking of putting our place on the market. Does it make any sense to value our property on the basis […]

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Q&A

Should We Refinance To Get Rid of Mortgage Insurance?

July 16, 2018

Question: Should we refinance to get rid of mortgage insurance? We bought a home in an area where home prices are exploding. Our equity grows almost daily. Our lender says […]

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Q&A

Has Refinancing A VA Mortgage Become Harder?

July 5, 2018

Question: I’m a vet and recently heard that a VA mortgage has become more difficult to refinance for borrowers like me. What are the new rules and why is the VA […]

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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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• Tim Lucas

  

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

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