Credit Inquiries While Shopping for a Mortgage
Knowing where you stand credit-wise before shopping for a home loan can save you both time and money. Lenders employ a matrix of sorts that combines a down payment amount and credit score to come
Knowing where you stand credit-wise before shopping for a home loan can save you both time and money. Lenders employ a matrix of sorts that combines a down payment amount and credit score to come
Coming up with funds to close on a home purchase is perhaps the single greatest barrier first time home buyers face. At least there are still too many who believe that. Yet despite the easy
We’re definitely in a global marketplace. That’s not really news but there are so many interactions between countries and financial institutions. Sometimes, most times, we take any geopolitical news in stride and not pay very
The Federal Housing Administration or FHA is an extremely important department within the Department of Housing and Urban Development. It is credited with righting the economic ship of this nation back in 1934 during the
In one of the most watched political developments in recent memory is the decision by British voters to leave the European Union. This “exit” narrowly passed and the EU is still deciding what to do
Banks and credit unions make money the old fashioned way- they lend money and charge interest, something that has been going on since the invention of currency. For an automobile loan or a credit card,
Financing a Home Purchase With a HERO Lien or PACE Lien in California If you found this article during an online search, it’s very likely you, or the property you want to buy (or refinance),
Whether your mortgage choice is a conforming, jumbo, conventional or government-backed, not only will you have your choice of interest rate and point combinations as well as the term of the loan but you will
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.
When the Federal Reserve mentions interest rates, they’re not talking about interest rates on home loans. They’re referring to the rate the Federal Government charges on the money they lend to banks and financial institutions,
What is a Non-Qualified Mortgage (Non-QM) and how does it help Southern California homeowners? First, a brief history on what makes a mortgage loan product a “QM”, or “Qualified Mortgage.” The Consumer Financial Protection Bureau
Chad Baker
Originating Branch Manager
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