Lifting a Credit Freeze
Un-Freezing Your Credit Report Freezing your credit won't hurt your score, but it will keep an identity thief from opening new accounts in your name which is a good thing. Keep in mind when purchasing a home or refinancing you will need to "Un-Freeze" your reports with the credit bureaus. When a mortgage lender pulls […]
3 Loan Documents You Should Know
Three Loan Documents You’ll Want to Know Buying a new home (or refinancing your current home) is a process that requires quite a bit of paperwork. Thankfully, all of the paperwork isn’t thrown at you at once, instead it comes in stages. At each milestone of the loan process (beginning with disclosures and ending […]
Preparing for Your First Mortgage
Buying a house is not something you should do without some good financial knowledge and advice. Your first mortgage should be thoroughly thought out and well planned. Now that you’re thinking of purchasing a home, use the next 12-18 months or so to prepare yourself. Prepare Your Credit Early Houses are not cheap. In order […]
Loan Basics
What is a Loan? An amount that you borrow and agree to repay under specific terms. Usually a formal agreement, loans involve two parties: the borrower and the lender. The contract specifies the terms and conditions of the loan, and once you sign, you are legally obligated to adhere to it. Before pursuing and taking […]
The History of Modern Mortgages
In today’s economy, we know a mortgage as a financial agreement made between a borrower and a bank to purchase a home. Houses typically cost more than a person can pay for out of pocket and/or all at once. Since banking institutions have the means to make large purchases, they can give you a loan […]
How Prepared Are You?
Buying a home can be a challenging experience for first-timers. Here are some mortgage tips to help get you started. Start saving for a down payment early It's quite common to put 20% down, but many lenders will now permit a much lesser percentage, and first-time buyers programs allow as little as 3% down. Putting […]
Don't Be Overwhelmed With Paperwork
We know with any purchase process gathering all of the necessary documents can be quite hassle even for the most organized. All lenders want and need detailed information about your finances to determine if you quality for a home loan. We've provided a basic list that can help assist with this daunting task. Keep in […]
Might Miss A Payment(s)?
We all know things happen that are out of our control. An unexpected medical bill or a car emergency. These types of situations can throw off your whole budget and cause you to worry about missing a mortgage payment or several payments. Do you know what to do? Contact Your Mortgage Servicer Always be prepared […]
Before You Make That Investment
Purchasing a home is a major milestone that on many people's to-do-lists. You can take control of your home-buying process by understanding what it takes to purchase a home and what you should be asking. Buying a home can be exciting but, it also can lead to some regret home-buying mistakes and with the housing […]
Military Veteran Benefits in Nevada
Just over a quarter of a million veterans live in Nevada as of 2018 and we’ve got a list of major benefits that you may not know about that includes a veteran home in Boulder City. VA Home Loans We offer A $0 down payment mortgage option available to Veterans, Service Members and select […]
