Before submitting any application materials, it’s a good idea to take a moment and check your credit score if you’re planning to purchase a house in the near future. Your…
The Impact of Interest Rates on the Housing Market The housing market relies heavily on interest rates, which can have a major impact on consumers’ choices regarding mortgages and home…
What is a VA Loan? A VA Loan is a type of home mortgage loan available to U.S. military veterans, active-duty service members, and some surviving spouses of deceased service…
A possible buyer’s worry is that rising interest rates will make it more expensive to take out a mortgage and make a home purchase. Rising interest rates might seem discouraging,…
What bills are calculated in the debt to income ratio? How much of your monthly income goes toward paying off debts is quantified by the debt-to-income (DTI) ratio. It’s a…
What is a Home Inspection? When a trained professional inspects a home, they look at many different aspects of it to determine its overall condition. A home inspection is a…
When buying a house, it’s important to consider the cost of homeowner insurance as part of your budget. Homeowner insurance can protect you from financial losses due to events such…
What is a Mortgage Refinance? When you refinance your mortgage, you exchange your current loan for a new one, typically with a new principal and interest rate. The new mortgage…
November 2022 began with an all-too-common theme, with the Fed, once again, hiking up the federal interest rate in an attempt to cool inflation. This latest increase brings interest rates…
What is a Loan? The lender and the borrower form a relationship through the loan. In this scenario, the lender is also referred to as a creditor and the borrower…
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