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Fresh, accurate information is always a valuable asset when making important financial decisions. Learn more in the Loan Classroom.

Options for Home Refinance

Special refinance programs are temporarily available to help borrowers in trouble. It pays to know all of your options. Refinance Loan Options

Ask Us A Mortgage Question

Do you have questions about a mortgage or refinance loan? We'd love to hear it. You can ask about anything mortgage-related. Ask a Question

How much mortgage can I afford?
Saturday, May 27th, 2017 | By Spencer Llewellyn

How much mortgage can I afford?

Before potential homeowners apply for a mortgage, they may ask themselves the all important variable, “How much home can I afford?” It’s always a good idea to ponder affordability in advance because it means you can look for houses that fall exactly within the your price range. Continue Reading

Zero Down Mortgage
Sunday, March 19th, 2017 | By Spencer Llewellyn

First Time Homebuyers: Is a Zero-Down Mortgage for You?

Coming up with a down payment and mortgage closing costs can be a difficult thing for many prospective homeowners. The good-ole-days of zero-down mortgage loans with no closing costs and everything rolled into the loan are gone. Continue Reading

Landlord Tips
Friday, January 6th, 2017 | By Miranda Marquit

What You Need to Know About Being a Landlord

One way to make money in real estate is to be a landlord. If you own a home that you aren’t ready to sell, you can rent it out to someone else, and they can pay the mortgage on the property until you are ready to sell. It’s also possible to buy multi-unit housing, from duplexes and fourplexes to apartment buildings with several units. Continue Reading

USDA Loan Tips
Thursday, November 17th, 2016 | By Spencer Llewellyn

USDA Mortgage Loan Tips and Advice

The U.S. Department of Agriculture (USDA) is the agency that makes it possible for familys’ in rural areas to purchase their own home with no down payment.  USDA mortgage loans are offered to qualifying individuals and families across more than 95% of the U.S. land mass. Continue Reading

USDA Rural Development - USDA Loans
Saturday, September 10th, 2016 | By Spencer Llewellyn

What is USDA Rural Development?

The USDA stands for United States Department of Agriculture. That’s the federal agency that provides USDA Rural Development programs for the purpose of encouraging economic development in rural areas. Rural Development programs also help the people living in qualifying rural areas afford better housing.  Continue Reading

USDA Refinance
Saturday, July 2nd, 2016 | By Spencer Llewellyn

USDA Refinance Program

The USDA Refinance Pilot Program was originally introduced in 2012 to give rural home owners a chance to take advantage of record low interest rates. This pilot program was a success, therefore the program has permanently matured into the USDA Streamline Refinance. Continue Reading

Loan Application Documentation
Wednesday, May 11th, 2016 | By Spencer Llewellyn

What documentation is needed for a home loan application?

Once you’ve contacted your lender to apply for a mortgage, they will request certain documentation from you to verify to insure you meet the loan requirements for the program.  The mortgage loan checklist for documentation is fairly consistent no matter where you apply. Continue Reading

FHA vs Conventional Loan
Wednesday, March 30th, 2016 | By Spencer Llewellyn

How do FHA Loans compare to Conventional?

FHA Mortgages offer several advantages over conventional mortgages, particularly for applicants without perfect credit or lots of cash on hand for a down payment. Continue Reading

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