Archive for the ‘Home Loans’ Category

Why A Down Payment Is So Important

How Much Should You Put Down On A Home Purchase There was a time when mortgage lenders relaxed home buying rules and authorized home loans even when buyers had a minimum amount of money to put down. That plan backfired and many homes went into foreclosure. Downpayment rules have recently become more stringent than they […]... Read more ›

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Is Winter the Right Time To Buy a New Home?

It’s raining. And not just any rain. It’s that cold rain that bites into you and you don’t want to go outside. But if you’re in the market for a new home, this may be the ideal time to bundle up and hit the pavement. Do Housing Prices Drop in Winter? This “old wives tale” […]... Read more ›

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When Does A Home Equity Loan or Home Equity Line of Credit Make Sense

It seems people everywhere are getting home equity loans or home equity lines of credit. In the fiscal year that ended in June of 2014, these transactions increased more than 25% compared to the previous year. So does that mean everyone should do it? No. What everyone should do is consider these things before making […]... Read more ›

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Second Homes and Investment Properties – Mortgage Basics

Mortgages for Second Homes & Investment Properties The terms “Investment Property” and “Second Home” are sometimes used interchangeably to describe real property that is not an individual’s primary residence. While they do share characteristics there are some important differences worth knowing when it comes to Mortgage Basics. Investment Properties An investment property is a property […]... Read more ›

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BOX Home Loans New Platinum Pricing

Your Reward For Great Credit Here’s a little secret:  All mortgage lenders—from the medium-sized folks like Box Home Loans to the “big boys” like Wells Fargo and Bank of America—ultimately sell the majority of their loans to an end-investor. For example, Bank of America may take your payments but they have most likely sold your loan to […]... Read more ›

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What If I Am Denied A Mortgage Loan

Have You Been Denied on a Loan Application? The Mortgage Bankers Association says that mortgage lenders end up rejecting around one of every two applicants requesting a refinance on their mortgage today. Around 30 percent of new mortgage applicants are also denied. This denial, whether for a new mortgage or for a refinance, can certainly […]... Read more ›

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When Is Refinancing Your Home Loan Right For You?

Why are you refinancing? Are you trying to save money on interest, get out of onerous loan provisions, or are you simply trying to stay in your home with a lower monthly payment? Identifying your goals at the start will help you make a plan that meets your needs. How does the new home loan compare to […]... Read more ›

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What is a Home Equity Line of Credit?

Home Equity Line of Credit If you own a home and need access to cash, a home equity line of credit (HELOC) is an option you may want to consider. Depending on the amount of equity in your home, you could have access to the cash you need at reasonable interest rates. Although HELOCs have […]... Read more ›

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Home Loan Application Process

Home Loan Application Process In today’s world you can do almost anything online. From ordering groceries at the local supermarket to watching the most recent episode of Breaking Bad, It is a digital world.  They say the world is at your fingertips, but with the endless possibilities why do we still have to go in […]... Read more ›

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Private Mortgage Insurance

Private Mortgage Insurance Private Mortgage Insurance is designed to protect the Mortgage Lender in case the borrower defaults on the loan. It provides protection in the event of a foreclosure of the property in which the Lender had financed more than 80% of the home’s value. In the event the borrower has defaulted on the […]... Read more ›

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