A Home Buyer’s Journey: Your Step by Step Guide to Homeownership

If you are just embarking on the purchase process, you may be unsure of what lies ahead on your journey. That is why I wanted to provide you with a step by step guide or “loan road map” to help guide you on your way to homeownership! Get Pre-Approved Submit your application and the documents … Continue reading A Home Buyer’s Journey: Your Step by Step Guide to Homeownership

Getting Pre-Approved

If you are thinking about purchasing a home this spring, now is a great time to start thinking about getting pre-approved for a mortgage. Getting pre-approved before you start home shopping is ideal for many reasons. For one, it will allow you to find out how much home you can afford. Your mortgage pre-approval letter … Continue reading Getting Pre-Approved

10 Questions to Ask Your Loan Officer

It’s easy to get nervous about something as big as applying for a mortgage. What is not so easy is putting our minds at ease if you’re in the middle of the process and things aren’t going the way you thought they would. Here is a list of questions you can ask your loan officer … Continue reading 10 Questions to Ask Your Loan Officer

The Importance of Your Debt-to-Income Ratio

There are several ratios that lenders use in the mortgage qualification process; one of the most important of these is the debt-to-income ratio. This compares how much of certain types of debt you have to how much you earn. Income calculations are always done on a gross, or before-tax, basis. There are actually two debt-to-income … Continue reading The Importance of Your Debt-to-Income Ratio