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The vast majority of mortgages use paystubs, as well as tax returns, to verify a potential borrower’s income. For nearly everyone, this creates a convenient way to get approved for a mortgage. However, some borrowers need a different way...
The most popular way to use a Bridge Loan or a Listing Loan is in a purchase transaction when a buyer would otherwise be forced to make a contingent offer. Some reasons for a contingent offer may include, but...
There are a lot of decisions to make when it comes to buying a home. One of the most important is deciding between a fixed-rate and an adjustable-rate mortgage. While adjustable-rate loans have their benefits, you’ll find that fixed-rate loans...
It happens in lending from time to time. On occasion, rates are so high that they trigger the requirements of a High-Priced Mortgage Loan, also called an “HPML.” In many cases, this means the only solution is to establish an...
The 2020 election cycle has been one of the most turbulent in recent memory. No matter what happens in early November will be a year long remembered. Regardless of the outcome, many factors could change, including mortgage rates. At San...
There are many factors that impact the total cost and monthly payments on your loan. One of the most important is the interest rate. While a single percentage point may not seem like much, over the course of a...
It’s just an inescapable fact for loans on investment properties: the interest rates tend to be higher. This is simply because an investment property, for obvious reasons, has a higher chance of foreclosure than a primary residence. While the...
You may wonder why mortgage lenders are very competitive as it relates to mortgage rates. First, they must be competitive in price along with a strong reputation in the community, service and communication. You won’t find one mortgage lender...

Rate Quotes

If It Sounds Too Good To Be True… It's not uncommon to see advertised mortgage rates well OUT of line with reality. A rate sheet or advertisement might look something like this: Whether the advertised options will be available for your transaction...
If you are eligible, a VA loan can be the most reliable, affordable, and convenient financing option for your home. VA loan rates can vary depending on the purchase and the borrower. Fortunately, there are a few things you...