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Living off of a limited income can be scary, but for many seniors, it's a daily reality. In many cases, social security, retirement savings, and pensions are simply not enough to pay for living expenses. One source of income...
With home prices on the rise, especially in markets like New York and San Francisco, it’s common for mortgage loan amounts to exceed the conforming and high balance conforming loan limits as set by regulation. These loan limits often...
How big is a jumbo loan? That’s a simple question with a rather complex answer. Because of the differences in markets, there is no single answer for the entire country. Therefore, if you need a loan that is higher...
If you’re considering ways to save on long term interest and paying down your mortgage balance sooner rather than later, refinancing to a shorter loan term is probably the most common way to do so. Most mortgage loans issued...
Want to better understand mortgages? Then you need to understand the essential terms. Using this mortgage glossary, you’ll have a better understanding of real estate and the mortgage industry. This is Part 2 in our mortgage glossary series. Read Mortgage...
For most homebuyers across the country, a conventional loan is enough for their purchase. However, in high-market areas like San Diego, large sums of money are needed to purchase even a moderate home. After all, a million-dollar home in...
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...
A Jumbo Home Loan is classified as any loan amount that exceeds the county high balance loan limit under which the transaction will occur. Jumbo loans will represent the most stringent loan product type qualification. Banks that make Jumbo...
Lending guidelines over the past few years have gradually relaxed in certain areas. Leading up to 2008 and immediately thereafter, lenders seemed to dry up available credit for home buyers. That was true but mostly the lenders that participated...
To the casual observer, it probably makes very little difference if a loan is “QM” or “non-QM.” And unless you’re in the mortgage business you probably have no idea what the designation actually means. But it is a big...