Mortgage Updates

If you are a homeowner, you’ve probably heard the term “second mortgage.” It’s a popular home loan product and provides numerous benefits to those looking to buy a home or as a tool for debt consolidation … Read more

Many factors impact your mortgage rate, and one of the most important factors underwriters consider is your Loan-To-Value ratio. When buying a home or refinancing a mortgage, it’s essential to know what impact your Loan-To-Value (LTV) … Read more

A mortgage subordination is when a lien holder of a fixed-rate second mortgage or a Home Equity Line of Credit (HELOC) agrees to remain in a “second position” on your property title while a new first … Read more

Debt-to-income ratio is a calculation performed by the person underwriting your home loan application. It compares the total amount of your monthly debt payments divided by the total amount of your monthly income. The comparison enables … Read more

War, crisis, and mortgage rates….three words you usually don’t hear together. When we have the potential for war, armed conflict, or an international crisis we are asked this question a lot: How does war and crisis … Read more

Should You Be Concerned? A concern is growing among homeowners, homebuyers and realtors – will this current government shutdown prevent borrowers from closing their mortgage on time? The quick answer is not yet. If you are … Read more

Great news; we’ve partnered with DocuSign for our “digital signature” service. Now our clients will have the convenience of electronically signing their initial disclosures rather than printing; signing and sending to us. DocuSign is the industry … Read more