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0:38
Different Mortgage Loan Types Explained for Homebuyers: Which One Is Right for You?
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There are millions of homes for sale with a 3% mortgage already attached, and you’re allowed to take it over. It’s called an assumable loan. If the seller has an FHA, VA, or USDA mortgage, you can legally step into it at their rate. Their 3% becomes your 3%, instead of a brand-new bank loan at today’s 6.5%. The bank will never point you to it, because a new loan is their payday and a loan you inherit isn’t. You just look for the word “assumable” and cover the gap between the loan balance and the
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Fast-rising interest rates are taking their toll on mortgage demand, as both potential homebuyers and current homeowners head to the sidelines. Total #mortgage application volume dropped 4.1% last week compared with the previous week, according to the Mortgage Bankers Association’s seasonally adjusted index. Read more at the #linkinbio or the link on screen.
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Revolut is taking on the big UK banks! 🇬🇧 It’s now introducing personal loans, with credit cards and even mortgages on its plans for the future. From a money app to a serious banking competitor, Revolut has come a long way! #Revolut #UKBanking #DigitalBanking #BankingNews
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If you think becoming a successful Mortgage Loan Officer is just about passing the SAFE exam or learning loan guidelines, think again. The highest producing Loan Officers I’ve met all share common character traits that have nothing to do with knowing mortgage products. Your discipline. Your consistency. Your resilience. Your communication. Your ability to solve problems under pressure. Your willingness to keep going after hearing “no.” These are the traits that separate those who build lasting b
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Here is a secret mortgage credit rule that could save your home approval. If you have an installment loan (like a car or student loan) with less than 10 payments remaining, mortgage guidelines allow lenders to exclude that monthly payment from your debt-to-income (DTI) ratio. The Trap: If you rush to pay it off completely before applying, your credit score might actually drop because that active trade line closes. Pro Tip: Wait until you reach the closing table to pay it off. That way, you keep
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homeloanpros
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