Blog

How Long Does it Take to Build Credit?

September 21, 2021 | 4 min read | The mortgage process
Having an established credit history tells a story of how you have handled monthly debt obligations in the past and helps shed light on what type of borrower you may be. If you don’t have an established credit history or are looking to improve you...
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What are the 5 C’s of Credit?

September 21, 2021 | 3 min read | The mortgage process
The 5 C’s of credit are a way for financial instituThe 5 C’s of credit are a way for financial institutions to evaluate how responsible and trustworthy you are based on your ability to handle and repay debt obligations. This is also referred to ...
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What is a Gift Letter for a Mortgage?

September 20, 2021 | 3 min read | The mortgage process
If you are thinking about buying a home, you should consider how much money you will have for a down payment. A down payment is one of the highest up-front costs to purchasing a home. Many people, especially first-time homebuyers, rely on ...
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How to Choose a Mortgage Lender: Questions to Ask When Shopping for a Mortgage

September 15, 2021 | 3 min read | The mortgage process
A significant question people face during the mortgage process is determining which mortgage company to choose. Just remember, choosing the right lender is not always about getting the lowest rate. Many prospective borrowers spend countless hours co...
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Should I Lock my Mortgage Rate Today? Questions to Consider

September 2, 2021 | 3 min read | The mortgage process
Mortgage rates have remained at historic lows, and may rise, so people may be wondering, “Should I lock in my mortgage rate today?” Mortgage rates fluctuate often, so we recommend locking in that rate if you are quoted a rate with monthly paymen...
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Guide to the Mortgage Underwriting Process

August 18, 2021 | 4 min read | The mortgage process
The underwriting process is a critical component of the mortgage financing journey. Reaching the underwriting phase means you are one step closer to your mortgage closing. Here is everything you need to know about the mortgage underwriting...
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Questions to Ask When Refinancing Your Mortgage

August 11, 2021 | 3 min read | Refinance
With rates at historically low levels, many homeowners can lower their mortgage payments or get cash-on-hand for significant expenses. We have answered some common questions when refinancing, which may help you determine if now is and the ...
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Cash-Out Refinance: Guide on What to Expect and Mortgage Requirements

August 9, 2021 | 4 min read | Refinance, The mortgage process
Now is a great time to refinance as interest rates remain at all-time lows, and many homeowners are sitting on untapped equity. If you have equity in your home and are looking for extra cash-on-hand for upcoming expenses, you may benefit from a cash...
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Buying a House in Cash vs. Mortgage Financing: Which is Right for Me?

July 21, 2021 | 3 min read | Owning a home
If you have the means to do so, you may be wondering if you should pay all cash for a home or get a mortgage. Some believe that it may be better to put an all-cash offer on a home in today's competitive housing market. However, getting a mortgage co...
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7 Different Styles of Homes in the U.S. and Their Origins

July 2, 2021 | 2 min read | Owning a home
When buying a home, you may want to look at homes with varying architectural and design styles. Familiarize yourself with the most popular types of homes in the U.S. to see which one is right for you!  Cape cod Cape cod homes date back t...
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