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Mortgage Blog

Credit Scores: Everything to Know

Posted by Nicole Andretta on

A credit score is made up of 5 primary factors, all weighted by a percentage. The most influential factor, making up 35% of your credit score, is payment history. Your payment history allows lenders to see how capable you are of making your payments on time. If you are frequently late and/or miss payments, your credit score and credit worthiness will be negatively affected....Read More

Closing Costs Part II - Other Costs

Posted by Nicole Andretta on

Understanding all the costs in purchasing a home can be daunting. In Part One of our blog series about closing costs, we covered costs associated with the loan and lender fees. In Part Two, we’ll focus on the other closing costs you see at closing, who is charging the fees, and some other points homebuyers and those refinancing should know....Read More

Closing Costs Part I - Loan Costs

Posted by Nicole Andretta on

The dreaded closing costs! It’s easy to overlook these during the initial steps of the home buying process. You’re excited, you’ve made an offer, and all you’re thinking about is how much your down payment will be and what your monthly payment will be at the end of it all. Well, we’re here to help you avoid sticker shock when you finally get that Closing Disclosure in your hands....Read More

5 Reasons to Refinance Your Home

Posted by Nicole Andretta on

Refinancing a mortgage involves taking out a new loan to pay off your original mortgage loan. The process of refinancing a mortgage is similar to the process of getting one in the first place. You typically start by shopping around and comparing interest rates and other terms with various mortgage lenders to see which has the best offer. Then you compare that offer with the terms of your existing loan....Read More

Getting a Mortgage Pre Approval

Posted by Nicole Andretta on

If you’re just starting the process of looking into a mortgage, you might be wondering how the pre-approval process works and how far in advance you need to get your pre-approval before shopping around. We’re here to answer all your questions, but first, let’s start with the basics....Read More

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