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FHA Loans
Tuesday, October 28th, 2014 | By Spencer Llewellyn

2015 FHA Loan Requirements and Fees

FHA loans increased in popularity after 2008 because the “subprime” mortgage programs that catered to applicants with lower credit scores or small down payments abruptly disappeared. Continue Reading

VA Loan Requirements
Monday, October 27th, 2014 | By Spencer Llewellyn

2015 VA Loan Requirements and Fees

So who qualifies for a VA home loan? Odds are you do if you’re a military veteran or spouse with reliable income and decent credit.  VA loan requirements have four general areas used to determine applicant eligibility: Continue Reading

Conventional Loans
Thursday, October 23rd, 2014 | By Spencer Llewellyn

New Rules Make Conventional Loans Easier To Get

Anybody that’s applied for a mortgage in America during the last 5 years knows how difficult the process has become.  Mortgage lenders have tightened loan requirements to the point that even people with good income and credit can’t get a loan. Continue Reading

Conventional Loan Wait Times
Tuesday, October 21st, 2014 | By Spencer Llewellyn

Fannie Mae Cuts Conventional Loan Waiting Period After Bankruptcy

During the financial and housing crisis that gave birth to the so-called “great recession,” millions of homeowners found themselves underwater on their mortgages. Many more lost their homes to foreclosure, had to declare bankruptcy, or both.   Continue Reading

Mortgage Applications Increase
Thursday, October 16th, 2014 | By Spencer Llewellyn

Mortgage Applications Rise From The Dead

For the week ending October 10, 2014 mortgage applications increased 5.6 percent from a week earlier, according to the Mortgage Bankers Association’s Weekly Mortgage Applications Survey.   Continue Reading

Disconnect Chart
Monday, October 13th, 2014 | By Spencer Llewellyn

Why Falling Unemployment Isn’t Helping Housing Recover

The housing recovery has been struggling lately.  Mortgage lending just endured it’s worst month in 14 years and analysts are projecting un unprecedented “triple-dip” in home prices. Household income has continued to decline and wage grown has remained poor for years. Continue Reading

College Education
Thursday, October 9th, 2014 | By Julie Rains

Should You Use a Home Equity Loan for Your Child’s College Education?

College tuition and related expenses are rising. Costs for in-state students at reasonably priced public schools may exceed $20,000 per year. Even if you are a diligent saver, you may not have enough money to pay this bill for your children. Continue Reading

3 Tips for Mortgage Rates
Thursday, October 2nd, 2014 | By Miranda Marquit

3 Tips For Qualifying For The Best Mortgage Rate

Your mortgage is likely to be the largest loan you have in your life. As a result, it makes sense to consider the interest you pay. Because your interest rate is based on the size of your mortgage, the smaller the rate, the less you pay over all. Continue Reading

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