Mortgage

Things to Remember
Things to Remember 1024 536 jeremykingsbury

  The are many factors that can change your ability to qualify for a mortgage. It’s important to follow these guidelines until your loan is closed. Do Pay all your monthly bills on time Keep track of all your bank deposits and statements Find and…

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Understand Your Loan Options
Understand Your Loan Options 1024 536 jeremykingsbury

Not all home loans are the same. Three key choices are the loan term, or length of the loan, the interest rate type and the loan type. Knowing what kind of loan is most appropriate for your situation prepares you for speaking to lenders. A…

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Grants & Down Payment Assistance Programs
Grants & Down Payment Assistance Programs 1024 536 jeremykingsbury

A 2017 Zillow survey of 10,000 American adults found that two-in-three people who were then renting identified saving for a down payment as their biggest obstacle to homeownership. If you want to become a homeowner, but you don’t have enough cash for a down payment,…

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13 Mortgage Questions to Ask
13 Mortgage Questions to Ask 1024 536 jeremykingsbury

Having a list of mortgage questions to ask potential lenders is just the start. Knowing the answers you’re looking for puts you ahead of the game. Which type of mortgage is best for me? This question will help you know if you’re talking to just a…

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Verified by Vellum, Your Client’s First Step
Verified by Vellum, Your Client’s First Step 1024 536 jeremykingsbury

A fully underwritten Verified Pre-Approval by Vellum streamlines the homebuying process and allows your clients to shop with confidence. We are excited to share in the homebuying experience. Gain Confidence & Feel Secure Be able to submit an offer with confidence knowing it provides proof…

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Should You Refinance to a Shorter-Term Loan?
Should You Refinance to a Shorter-Term Loan? 1024 683 jeremykingsbury

New homebuyers often choose to take out longer term mortgages such as a 30 year term mortgage on their new homes due to the security and peace of mind that a consistent monthly mortgage payment provides. However, a 30 year term can be really long…

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Appraisal Methods
Appraisal Methods 689 460 jeremykingsbury

When you’re buying a home using a mortgage, refinancing your existing mortgage or selling your home to anyone other than an all-cash buyer, the home appraisal is a key component of the transaction. Whether you’re a buyer, owner or seller, you’ll want to understand how…

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Getting Pre-Approved Should Be Your First Step
Getting Pre-Approved Should Be Your First Step 1024 536 jeremykingsbury

Many potential homebuyers underestimate their purchasing power and overestimate the down payment and credit scores needed to qualify for a mortgage today. Completing a quick and easy pre-approval is the first step in determining all mortgage options available to you. Benefits of being Verified by…

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3 Keys to Owning Your Own Home
3 Keys to Buying a Home
3 Keys to Buying a Home 1024 683 jeremykingsbury

Mortgage guidelines for first-time homebuyers have changed over recent years. In order to ensure loan approval, you need to have everything in order before your application. Credit Credit is very important for the first-time homebuyer. An FHA loan allows a lower credit score, sometimes as…

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Pre-Qualification vs Pre-approval
Pre-Qualification vs. Pre-approval
Pre-Qualification vs. Pre-approval 1024 684 jeremykingsbury

Two often confused terms in the home buying process are a mortgage loan pre-qualification and a home loan pre-approval. Here’s what you really need to know about each one. Pre-Qualification A mortgage pre-qualification is simply an estimate of how much home you can afford and…

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