Sean 9

Sean was tremendous throughout the process of finding our home. He kept in constant communication and was on top of every little detail. When it came time to put a bid on our house, even though it was “after business hours”, Sean was available and willing to contact...

10 Reasons To Use a Mortgage Broker

Today, the use of a Licensed Professional Mortgage Broker is one of the key strategies used by sophisticated borrowers. You can find professional loan officers in both environments. But the topic of this article is why use a mortgage broker, therefore let me continue....

What’s Your Debt-to-Income Ratio Formula

Your ratio of debt to income is a formula lenders use to calculate how much of your income can be used for a monthly mortgage payment after you meet your other monthly debt payments. Understanding your qualifying ratio In general, conventional mortgages need a...

What is a “Rate Lock Period” and How Get One?

Freezing the Rate When you’re promised a “rate lock” from your lender, it means that you are guaranteed to keep a particular interest rate over a certain number of days while you work on the application process. This keeps you from working through your entire...

Loan Application Checklist: A Comprehensive List

Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission — that is, if you’re giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders...