Mortgage Smart   

First Time Homebuyer Advice

Learn the mortgage process before visiting a bank or mortgage broker

Options available.

Because of all the options available, obtaining a mortgage loan can be a real adventure. Learn the mortgage process here before you visit a mortgage lender or even a realtor. Additionally, you should be aware of the many benefits are available for first time homebuyerssuch as downpayment assistance and tax breaks

Learn more about:

Affordable Mortgages

Just about anyone can buy a home. With new low down payment mortgages, and special programs for low income households, many more families can now qualify for home mortgages.... Read more

Homeowners Insurance

Protecting your home and its contents is probably one of the most important financial decisions you will make. Understanding the details regarding your home and what insurance does can help you be sure you have the right coverage.
... Read more

House Poor?

Use this website’s mortgage calculators to compute how much house you can afford. Don’t buy a house on emotion, buy it by the numbers. You will sleep better at night.
... Read more

I Can’t Get a Mortgage

Many lenders offer FHA or b-c loans which stands for credit that is not classified as "a" credit The lower the quality of the credit, the lower the "grade."... Read more

Mortgage Escrow Account

Why do lenders require escrow accounts? What do they do for you? Are they only a method for banks to get free use of your money? Or do they hold a greater purpose in our society?... Read more

Mortgage Loan Application Checklist

In today's tight mortgage market preparation puts you one step ahead. The mortgage application checklist will help you prepare.... Read more

Mortgage Loan Closing

Settlement of a mortgage loan is a legal process, so specific procedures and requirements will vary according to local laws, but the following outline of closing practices will help you through the process.... Read more

New FHA Lending Limits

FHA loan limits make FHA loans available for most refinancing and home purchases. Find the best lender for your situation.... Read more

Top 10 Ways to Build Your Mortgage Borrowing Power

Nothing can deflate the joy of buying a new home more than worrying about being turned down for a mortgage loan. Avoid disappointment by sharpening your credentials before you go hunting for a loan.... Read more