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Mortgage News, Tips and Resources

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June 24 2019

Refinancing a Reverse Mortgage

Refinancing a reverse mortgage may possess several significant benefits for homeowners 62 or older, including lower interest rates or higher loan limits.

What-Is-TRID
June 10 2019

What Is TRID?

TRID, short for TILA-RESPA Integrated Disclosure Rule, is a federal mandate combining and clarifying disclosure forms mortgage lenders provide borrowers.

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May 28 2019

4 Tips for First-Time Home Buyers on Long Island

First-time Long Island home buyers should seek assistance from mortgage pros, learn about different loans, plan ahead, and understand the closing process.

April 17 2019

How Much Home Can I Afford?

There are multiple factors that determine how much home you can afford, including your income, debt-to-income ratio, property taxes, homeowner’s insurance, and other monthly expenses.

April 02 2019

Best First-Time Home Buyer Programs in Florida

Several of the best first-time home buyer programs in Florida include Housing Finance Agency (HFA) Preferred, Florida Housing Mortgage Credit Certificate Program, Federal Housing Administration (FHA), and U.S. Department of Veterans Affairs (VA) loans.

March 19 2019

6 First-Time Home Buyer Myths

Several first-time home buyer myths include the misconceptions that you should find a home to buy before applying for a loan, there is only one loan you can apply for, and you need 20 percent down, among others.

March 04 2019

USDA Loans vs. FHA Loans

USDA and FHA loans are both federal programs assisting low-income families and home-buyers obtain mortgages, with two important distinctions: USDA loans specifically cater to those within rural and suburban areas, while FHA loans are open to all applicants, regardless of finances or geography.

February 15 2019

Home Loans for Low-Income Families

Several popular home loans for low-income families include HomeReady, Home Possible, Conventional 97, piggyback mortgages, FHA, and USDA loans.

December 03 2018

5 Facts About VA Home Loans

VA home loans don’t have a limit, are only available through lenders, must be used for primary residences and eligible to surviving spouses, and require a Certificate of Eligibility.

November 19 2018

FHA Loan Requirements

Applicants must meet several FHA loan requirements. This includes providing documentation of a stable employment, income and credit history, and the ability to afford 3.5 percent down.

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October 29 2018

What Does a 203(k) Loan Do?

FHA 203(k) loans help cover the costs of purchasing a home in need of work and renovating it. They also aid in refinancing and renovating a borrower’s current home.

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October 10 2018

How to Get a Mortgage With Low to No Down Payment

There are mortgage options with little or no down payment. These include FHA and VA loans, as well as HomeReady (Fannie Mae), HomeOne and Home Possible Mortgages (Freddie Mac). Conduct the proper research, consult with an expert, adhere to the requirements, and apply.

September 19 2018

How to Choose the Right Mortgage Company

To choose the right mortgage company, check online reviews and ask people you know for recommendations. Be sure to contact multiple lenders and compare their loan rates, as well.

September 12 2018

4 USDA Loan Requirements to Keep in Mind

There are several USDA loan. You must buy a property in a rural area, which will be used as your primary residence. There are also income and credit requirements.

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August 09 2018

Where to Get an FHA Home Loan on Long Island

The Federal Housing Administration (FHA) insures FHA loans, but they don't actually provide them to borrowers—only certain mortgage lenders do. You can find out which lenders are FHA-approved in your area by visiting the Department of Housing and Urban Development’s official website.

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July 30 2018

5 Home Safety Tips for your Summer Vacation

5 tips to keep your home safe while you are away on vacation this summer.

July 02 2018

What Does the FHA Do?

The Federal Housing Administration (FHA) insures mortgages provided to home buyers by FHA-approved lenders. Such loans include, but are not limited to, conventional FHA loans, 203(k) loans, refinance loans and reverse mortgages.

June 29 2018

Fast Fact Friday: 30% of first-time home buyers are now Millennials

Fast Fact Friday: 30% of first-time home buyers are now Millennials

June 22 2018

Fast Fact Friday: Is there such a thing as getting Pre-Approved too early?

Fast Fact Friday: Is there such a thing as getting Pre-Approved too early? First of a continuing series of Fast Fact Friday blog posts.

June 08 2018

What Impacts Your Credit Score?

There are five main factors that influence your credit score, specifically your FICO credit score. They include your payment history, amount of money you owe from taking out other loans, length of your credit history, types of credit you utilize and number of new accounts you have.

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