Understanding Mortgages

Why You Should Avoid Large Bank Deposits During the Mortgage Application Process

November 8, 2019

Usually when a sizable amount of money is deposited into one of your accounts, it’s time to celebrate — except while you’re waiting for a mortgage loan approval. Under this […]

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Understanding Mortgages

A Complete Guide to Home Loan Closing Costs

October 28, 2019

Any home loan whether its to purchase a new home or to refinance a current loan will come with closing costs. Closing costs cover a variety of fees related to […]

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Understanding Mortgages

5 Appraisal Problems That Can Affect Your Mortgage Approval

October 11, 2019

A home appraisal is an estimate to determine the market value of a home. In addition to purchase loans, appraisals are also ordered when refinancing a loan or when attempting […]

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Refinance · Understanding Mortgages

A Single Mom’s Guide to Refinancing

September 24, 2019

Refinancing can mean lower payments, less total interest costs over the life of the loan, and possibly some extra cash for home improvements. Currently, interest rates are at historic lows […]

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Refinance · Understanding Mortgages

Home Equity Line of Credit (HELOC): What You Need to Know

August 30, 2019

With home values rising in most areas of the country, many homeowners are interested in a home equity line of credit to access cash — especially to fund remodel projects […]

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Understanding Mortgages

Getting a Mortgage After Retirement

July 15, 2019

Can you get a mortgage if you’re retired, even though you no longer receive a regular paycheck? The good news: Yes, you can. Though, qualifying for a mortgage with retirement […]

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News · Understanding Mortgages

Stated Income Loans, plus Alternative Documentation Loans for 2019

June 28, 2019

Stated income loans are making a comeback — sort of. Extremely popular in the early 2000s, stated income loans were one of the factors of the housing market collapse. Why? […]

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Cash Out Refinance · Refinance · Understanding Mortgages

The Best Ways to Finance a Pool

June 25, 2019

Many homeowners dream of having their own swimming pools, especially after the heat of summer settles in. But after checking the price tag, a lot of would-be pool owners give […]

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Understanding Mortgages

Mortgage Dictionary

March 27, 2019

Mortgage terminology can be confusing whether you’re a first-time homebuyer or looking to refinance your current loan. From mortgage terms like amortization to PITI, chances are you’ll come across a […]

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Home Buying · Understanding Mortgages

Cosigning a Mortgage for an Adult Child

February 4, 2019

Your adult child is hard working and responsible. But because of their lack of credit history, stricter lending regulations or too many student loans, it is almost impossible for them […]

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

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