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Intro To Home Loan Closing Costs – Mortgage Closing Costs

About Home Loan Closing Costs When you get a home loan you will need to pay what is known as mortgage closing costs. They are basically fees charged by lenders and third parties that relate to the purchase of your home. This is an additional cost on top of the down payment, and home loan amount. Read More »... Read more ›

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Want To Buy A Home…. But What If My Credit Is Frozen?

Want To Buy A Home…. But What If My Credit Is Frozen? You should know by now if your are looking to buy a home, that having good credit is a HUGE factor. If you are actively seeking a loan from Box Home Loans, you should understand that the procedures involved in lifting a security Read More »... Read more ›

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So You Want To Refinance?

Considering a Refinance? In the 1980’s and 1990’s interest rates of 8-10% were commonplace. Over the years’ rates have dropped, and in 2012 we saw rates go as low as 3.35% and lower in some cases. What if you kept that rate of 10%, and never took advantage of the opportunity to lower it? You would have Read More »... Read more ›

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Understanding Mortgage Escrow Prepaids – Box Home Loans Mortgage Tips

Mortgage Escrow Prepaids include: We wish (like you) that escrow funds from a previous mortgage could simply be ‘rolled over’ into your new m escrow account, but unfortunately it doesn’t work that way anymore ever since the Dodd/Frank Act took effect. Understanding mortgage escrow prepaids can be tricky… but we’ll help you get a better understanding, Read more ›

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Why Mortgage Rates Fluctuate

Why Mortgage Rates Fluctuate Mortgage interest rates fluctuate a bit differently than other, shorter term consumer loan rates. Credit cards, personal and auto loans typically fluctuate with lender cost of funds and prevailing short-term market rates. Mortgage rates change with the national economy strength or weakness, economic forecasts, Federal Reserve controls of the money supply Read more ›

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So You Want to Refinance?

Take advantage of low interest rates In the 1980’s and 1990’s interest rates of 8-10% were commonplace. Over the years’ rates have dropped, and in 2012 we saw rates go as low as 3.35% and lower in some cases. What if you kept that rate of 10%, and never took advantage of the opportunity to Read More »... Read more ›

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Why Does My Lender Need to Document Everything?

Why Does My Lender Need to Document Everything? “What’s with all the documentation?” or “Aren’t my pay stubs enough? I make plenty of money and have more than enough assets!” Are common questions I hear from borrowers. You show us your paystubs, and then you get a mortgage, how great would that be?! We like Re... Read more ›

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Long-Term Disability Income to Qualify for a Loan

Does Box Home Loans accept disability income when qualifying for a loan? Yes! Here at Box Home Loans, we have the following verification requirements when using disability income: Verification of Disability Income We will need to verify the amount of disability payments that will be received from the benefit statement. Then determine how long the Read more ›

Rate Quote Hassle

Instant quote I had been told before that getting a rate quote with companies other than Box Home Loans would be difficult. But I didn’t really understand what they meant until trying it for myself. I’m 22 years old and have a steady girlfriend, we’ve been thinking about marriage recently. Naturally, we thought about where Read More »... Read more ›

Financial Technology Rules

Box Home Loans is different. We like simplifying things for our borrowers and helping them have the best mortgage experience. One of the ways we do this is by our automated system. We invested heavily in our technology to make it faster, simpler, and easier. Our automated system helps our customers from day one. When Read More »... Read more ›