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How Much of My Income Should Go to My Mortgage?
Back in the U.S. housing boom in the early 2000s, mortgage money flowed freely, with many borrowers being qualified for more loan than they could actually afford. When the housing bubble burst and the Dec 09, 2020
How Long Does a Pre-Approval Letter Last?
Getting pre-approved before shopping for a new home is a smart idea, but what if you don’t find the right home quickly? How long does that pre-approval last? Pre-approval Defined Before going May 06, 2020
3 Things Lenders Don’t Want to See on Your Bank Statements
When you take out a mortgage loan, your lender puts a lot of trust in you to repay the loan. Lenders can do this because they do thorough financial background checks on borrowers before agreeing to le Jan 01, 2020
Is a Bigger Down Payment Always Better?
In the homebuying process, if you find yourself in the enviable position of having more cash than needed for a minimum down payment, it may be difficult to know just how much you should put down. A la Sep 25, 2019
Can I Get a Mortgage Without a Credit Score?
You need a good credit score to get the best rates on mortgage loans. Less-than-perfect scores will mean higher interest rates and subprime credit scores will make borrowing money very expensive. But Sep 18, 2019