You have bad credit so you think you’ll never get a mortgage. Did you know that government mortgage programs cater to those with less than perfect credit? Don’t give up your search for a mortgage before looking into these great loan programs. FHA Loans are a Popular Government Mortgage FHA loans have the reputation of […]
How to Determine if Your Loan Officer is Ripping You Off
If there’s one common worry borrowers have, it’s that their loan officer is ripping them off. If you aren’t familiar with the mortgage industry, it can seem rather easy to rip you off. How would you know any different, right? That’s why you need to educate yourself about mortgages before you apply for one. The […]
Is Your Subprime Mortgage Rate Reasonable?
You finally got a mortgage and it’s subprime. You know you are paying a higher subprime mortgage rate. But is it reasonable? How do you know? Did you know that not all rates are higher on subprime loans? Subprime doesn’t necessarily mean ‘bad.’ You could have a reason for taking this type of loan outside […]
What’s a Good Home Loan for First Time Buyers With Bad Credit?
Have you put off buying a home because you don’t have good credit? Did you know there are programs for first time buyers with bad credit? It might take a little more work and creativity, but there are loans available. Understanding your options can help you find the loan that works for you, putting an […]
Don’t Ignore These Dangerous Features on Subprime Loans
The housing crisis was singlehandedly blamed on subprime loans. However, they have made a comeback. Before you jump on board, know the dangerous features you should not ignore. Not all subprime loans are bad – in fact, there are many good ones. But, certain lenders set traps for the unsuspecting. Don’t let yourself fall for […]
How to Organize Your Paperwork for a Subprime Loan
Subprime loans still exist. In fact, they are making quite a comeback after their disappearance following the housing crisis. The difference this time around is all lenders must follow the Ability to Repay Rules. This didn’t exist before the housing crisis. No matter what type of loan you get now, the lender must put in […]
How to Get Your Credit Card Debt Under Control
Unfortunately, it’s pretty easy to get in over your head in credit card debt. Swiping that credit card wherever you go is mindless. You don’t think about what you’re spending until you get the bill in the mail. Maybe that doesn’t even bother you. It’s not until you realize you’ve maxed out your credit cards […]
Is it Possible to Get a Cash-Out Refinance With Bad Credit?
You have bad credit so you assume your chances of a cash-out refinance are gone. This may not be the case, though. You may have options. It involves shopping around. You may also need a co-signer or compensating factors. We’ll walk you through the steps to see if you too can tap into your home’s […]
How to Get Underwriters to Approve Your Bank Statements
You would think bank statements would be a pretty straightforward condition to satisfy on your mortgage. It’s not. It could actually be one of the most complicated. Knowing what underwriters look for and what sends out a red flag can help you get approved. We’ll take a close look at what goes on in underwriting […]
Are Credit Disputes Affecting Your Mortgage Eligibility?
Credit disputes are meant to help you. If you don’t agree with something on your credit report, you have the right to dispute it. But, did you know how home loan lenders look at these disputes? It might be shocking to find out what they think. Credit Disputes are Bad News Mortgage lenders don’t like […]
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