News · Understanding Mortgages

Common Mortgage Underwriting Problems that Could Stop Your Loan Approval

November 15, 2022

The application process to get a mortgage may seem a little daunting with all the information you reveal. But just because you get through the application doesn’t mean it’s over, […]

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Understanding Mortgages

Can You Use Bitcoin For a Downpayment on a House?

November 15, 2022

For most of its 10-year history, serious interest in Bitcoin was largely limited to computer geeks and cyber criminals. (According to Europol, “Bitcoin [is] the currency of choice in criminal […]

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Cash Out Refinance · Refinance · Understanding Mortgages

What is a cash-out refinance?

November 15, 2022

A cash out refinance can put money in your pocket or pay off big debts. Here are some guidelines and things to think about before opening a cash out loan.

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Home Buying · Understanding Mortgages

Borrow From Your 401k to Buy A Home

November 15, 2022

Saving up money for a down payment and closing costs to buy a house is one of the basic requirements in order to qualify for a home loan. It can […]

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Home Buying · Understanding Mortgages

How to Write a Letter of Explanation | Template & Examples

November 15, 2022

When you’re asked to write a letter of explanation by a mortgage underwriter, look at this as a valuable opportunity to clearly communicate your situation. Standard mortgage forms often don’t […]

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Home Buying · Understanding Mortgages

Paying Cash for a House : Reimbursement via the “Delayed Financing” Cash Out Refinance

November 15, 2022

Many home buyers find themselves in situations where they want or need to pay cash for a home. Maybe the home is in disrepair and not eligible for financing. Maybe […]

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News · Understanding Mortgages

Stated Income Loans Available in 2023

November 8, 2022

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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FHA Loans · Understanding Mortgages

Senior Citizens Can Be Successful at Getting Mortgages

November 8, 2022

A couple in their mid-70s just recently purchased a home and got a mortgage to move closer to their children and grandchildren. They decided on Home Equity Conversion Mortgages (HECM) […]

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Refinance · Understanding Mortgages

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

November 1, 2022

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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Home Buying · Understanding Mortgages · USDA Home Loans

USDA Loans: First-time Home Buyer’s Guide

October 20, 2022

First-time home buyers can get three big benefits from a USDA loan: Buying with no money down: Usually, home buyers put at least 3% down, and a lot of buyers […]

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