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Financing a Home Purchase With a HERO Lien or PACE Lien If you found this article during an online search, it’s very likely you, or the property you want to buy (or refinance), is in some sort of a financial...
As of December of 2015 one of the most innovative loan programs to come around in a long time was introduced to help those who may have trouble buying a home due to down payment and closing cost issues...
There are two types of home buyers, those who want to buy an existing home in an established neighborhood or subdivision and someone who wants a brand new home that’s never been lived in before. New construction vs. existing...
A Brief History in Time Mortgage lending has made some dramatic changes over the past few years and when you include the period beginning in 2000, there have some rather wild swings regarding loan approvals. Mortgage lenders often change lending guidelines...

Qualification Ratios

When it comes to your mortgage, qualification ratios may seem like something from your high school calculus class. It's actually not rocket science. The math is simple, and the concept is sound. Income Ratio is your total monthly housing payment...