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Lower mortgage payments without HARP

Ask Tim · HARP · HARP 3.0 · Refinance

I Need Lower Mortgage Payments but I’m not HARP Refinance Eligible

January 1, 2022

Editor’s Note: The HARP program expired December 31, 2018, and a popular replacement option, the Freddie Mac Enhanced Relief Refinance (FMERR) loan expired September 30, 2019. However, Fannie Mae’s High […]

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Extra home buying costs that you might not have considered

Home Buying · News

Hidden Costs of Buying a Home

January 1, 2022

You found it. It’s a perfect house for you with all the amenities you have been looking for, and it’s the right price. But how much do you really need […]

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Do credit repair companies work?

Credit · News

Credit Repair Companies: Can They Help? You Bet They Can.

January 1, 2022

You are ready to buy your dream house. You go to a recommended loan officer to get a preapproval. Smart. But after pulling your credit report, the loan officer says […]

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Things you need to know about downpayments

Home Buying

4 Things To Know When Getting Gift Money for a Down Payment

January 1, 2022

When purchasing your first home, a substantial down payment could put you on track to a great mortgage program, give you more equity in your home, and ultimately result in […]

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Refinancing with HARP and Second Mortgage

Ask Tim · HARP · Refinance

How Do I Refinance with HARP when I have a 2nd Mortgage?

January 1, 2022

Editor’s Note: The HARP program expired December 31, 2018, and a popular replacement option, the Freddie Mac Enhanced Relief Refinance (FMERR) loan expired September 30, 2019. However, Fannie Mae’s High […]

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What Is Mortgage Underwriting And How Does It Work

USDA Home Loans

USDA Credit Score & Collection Account Q&A

January 1, 2022

Amy asks: Can I get approved for a USDA home loan with having settled and paid off collections on my report?  I was unemployed and made arrangements to pay my […]

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FHA HAWK loan program to lower mortgage insurance

FHA Loans · News

FHA HAWK Program: Homeowners Armed With Knowledge Get Lower FHA Mortgage Insurance Rates

January 1, 2022

As early as the fall of 2014, the Federal Housing Administration (FHA) could give home buyers a break on mortgage insurance premiums through the Homeowners Armed with Knowledge, or HAWK, […]

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Six reasons it might be time to sell your home and buy another

Home Buying · News

6 Reasons It Might Be Time to Move

January 1, 2022

Selling your present home and buying another one takes contemplation, reflection, insight and research. But let’s be real. You have many reasons why you want to move into something different. […]

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Low rates fueling cash out refinances

Cash Out Refinance · Refinance

Cash Out Refinance Option Popular as Home Equity Rises

January 1, 2022

The value of your home has probably escalated recently. That means you could have enough equity for a cash-out refinance. That’s great news if, for instance, you’ve dreamed of building […]

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Cash out refinance tips and tricks

Cash Out Refinance

Cash Out Refinance Tips and Tricks | Podcast

January 1, 2022

I was recently a featured guest on an incredibly popular podcast called the Overseas Property Insider Podcast with Taylor White. In the episode, we talk about the incredible potential homeowners […]

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