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Category : First Time Home Buyer

Credit Score Factors - Four Mistakes To Avoid For Higher Scores
     Changing credit score factors while qualifying for a mortgage can cause a rapid drop in credit scores. Credit Scores affect whether you qualify for a mortgage or are denied a mortgage. Pay attention to these four credit mistakes while in the mortgage application and home buying process that are deal breakers.   Read Entire Article...

Tax Credits For First Time Home Buyers
     First Time Home Buyers Can Now Get a Tax Credit for Buying a Home. The mortgage reform bill called the Housing and Economic Recovery Act of 2008 has authorized a $7,500 tax credit incentive to first time home buyers in an effort to stimulate the U.S. Housing market.   Read Entire Article...

How Do I Qualify For A Mortgage?
     How Do I Qualify For A Mortgage? Qualifying for a mortgage requires meeting particular guidelines. To Qualify, every borrower must show ability to pay, willingness to pay, and credit worthiness. There are different ways to qualify as long as the basics are met.   Read Entire Article...

Do Not Get Fooled By The Yield Spread Premium
     Yield Spread Premium is the difference between a mortgage broker and mortgage lender. Mortgage Brokers disclose Yield Spread Premiums on the Good Faith Estimates and Mortgage Lenders do not.   Read Entire Article...

What Is A Mortgage Lender? A Mortgage Banker?
     What is a Mortgage Lender? A Mortgage Banker? Essentially these two are the same. They are a mortgage broker on steroids. Mortgage lenders lend money for mortgages for buying a home and refinancing. Mortgage bankers can also lend money. Both can sell mortgages retail or wholesale.   Read Entire Article...

What Is A Mortgage Broker?
     What is a Mortgage Broker? A Mortgage Broker arranges mortgages for home buyers and home owners. Mortgage Brokers have flexibility in the loan programs they can offer, offer a wide variety of loan products, some can offer FHA mortgages and Reverse Mortgages.   Read Entire Article...

How Do I Lock My Interest Rate? What Is A Rate Lock?
     How Do I Lock My Interest Rate? What Is A Rate Lock? Interest rate locks are a big deal for you, your loan officer, the mortgage broker, lender - everyone. Lock In Agreements help ensure your interest rates gets locked at the interest rate you want. Learn how to lock your interest rate.   Read Entire Article...

What Does a Loan Officer Do?
     What Does A Loan Officer Do? Loan Officers pre qualify, review credit, obtain and present loan programs and interest rates, give loan applications, good faith estimates, loan disclosures, collect loan paperwork, submit loan paperwork, lock interest rates and more.   Read Entire Article...

What Is A Loan Officer?
     What is a Loan Officer? A loan officer will work with you to get a mortgage from a mortgage broker, mortgage banker, mortgage lender, bank, or credit union. Loan officers are responsible for guiding their home buyers and home owners through the mortgage process.   Read Entire Article...

Is The Time Right To Buy As A First Time Home Buyer?
     Buying a home in today's market in 2008 can be a challenging time. This is especially true if you are buying your first home. Find out why it might not be such a bad time and how you may be able to do it.   Read Entire Article...

Myths Of Buying a Home and Homeownership
     There are many reasons why people take so long to buy a home. Some of these reasons are based on real facts while others are based on misconceptions about the process. Learn about some myths that stop people from buying a home...   Read Entire Article...

What Are The Risks and Benefits of Owning a Home?
     The Risks and Benefits of Owning a Home can be spun in many ways to prove a point. It may come down to a matter of preference and can you make the payment. Learn more about the major risks and benefits of owning a home.   Read Entire Article...

What Do I Need To Do To Get A Mortgage?
     Since 2007, getting a mortgage has been getting harder and harder. Declining market values have impacted many loan programs and loan approvals. Learn what you need to do to get a mortgage to purchase a home.   Read Entire Article...

FHA Loans – The Best Mortgage For First Time Home Buyers
     FHA Mortgage programs are back and they are the perfect loan for the first time home buyer! Well they never went away, there were so many other programs that competed with them that FHA loans had decreased in popularity. Learn more about these great mortgages for first home buyer in this article.   Read Entire Article...

What Questions To Ask When Shopping For A Loan Officer
     Many of the problems in the mortgage and real estate industry are a result of inexperienced loan officers selling products that they had no knowledge of to people who had never had a mortgage before. Make sure you shop for your loan officer as much as you shop for the best interest rate.   Read Entire Article...

Cheapest Interest Rates - Lowest Fees - Not Always The Best Mortgage
     Promises of the lowest interest rates or fees or the best loan programs are common in mortgage advertising. While it is possible to get a great deal for your mortgage lender, make sure you look at all of your paperwork for some of this article's warnings.   Read Entire Article...

Credit Scores and Buying a Home - Changes On The Way
     Knowing your credit scores is key to buying a home. Your credit scores will greatly impact the loan programs you qualify for and the interest rates you get. Pay attention now to your scores to keep them up as Fico Scoring method changes are on the way.   Read Entire Article...

A First Time Homebuyer Mistake - Making Major Financial Purchases Before Settlement
     Being a first time home buyer is very exciting. Do not make changes in your financial situation after you apply until you get your mortgage.   Read Entire Article...

Are you a first time homebuyer? This is my experience.
     Okay, buying a home is a big deal. No matter whether you are buying your first home, or your 10th home, there is a lot to deal with. This article talks about my experience buying my first home.   Read Entire Article...

When is my mortgage payment due?
     Mortgage payments are typically due at the beginning of the month. But is this really when they are due? Many folks forget about the grace period from the first of the month to the 15th.    Read Entire Article...

I Want to Buy a Home, But Where Do I Start?
     So you’re gonna’ buy a house. There are quite a few mortgage programs that allow for different ranges in credit history. The better your credit, the better the loan. Get started on a better loan program today.   Read Entire Article...

What Do They Mean By Debt Ratio And LTV?
     Debt Ratio and Loan To Value are common terms in the mortgage industry. As a First Time Home Buyer it is important to know some basic mortgage terms. Better understand what your loan officer says to you when you apply for your mortgage.   Read Entire Article...

What happens to my credit scores if I shop around for a mortgage?
     If you are shopping for a mortgage or a car you can let more than one company get your credit report. Credit scoring systems allow for you to shop around to get the best deal.   Read Entire Article...

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