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January 27, 2023
Your debt-to-income ratio, or DTI, signals your ability to repay a loan to your lender. A higher DTI means you carry too much debt compared to your monthly income, which could pose a greater risk to your lender.
While a home’s listed value is just part of its total cost, interest rates and other costs like FHA mortgage insurance can rapidly add to your monthly payments. If you have a mortgage insured by the Federal Housing Administration (FHA), you may be wondering how to remove FHA mortgage insurance. An FHA mortgage is a... View Article
Ready to purchase a home? If you’re in the market for something new, you may be considering an FHA loan. FHA loans are typically easier for borrowers to get approved, but you should always weigh the pros and cons to make the most informed decision. To make sure you know all the details, we’ve outlined... View Article
One of the biggest benefits of homeownership is the ability to build wealth over time. However, you only stand to make a profit after you sell. Using a strategy called house hacking, you can potentially generate passive income from your property to put toward your mortgage, household expenses, or even other investment opportunities. House Hacking... View Article
Moving across state lines can be an overwhelming experience. It’s hard enough to purchase a house you can’t see often, if at all, much less find a way to get there to sign all the paperwork. Having a mortgage lender on your side can help you ensure things are getting done as they should and... View Article
Moving is never easy, and moving to a whole different state is even harder. Not only is there still a large number of legal hurdles that come with purchasing a home, but there are also local and state laws that you may be unaware of or unprepared to handle. If you are deciding to move... View Article
Milford, CT | August 2, 2022 — The Total Mortgage Fall River branch, which will be located at 341 Columbia Street, is scheduled to have its grand opening and ribbon-cutting ceremony on Wednesday, August 3 at 11 AM. The Fall River location will be the lender’s eighth branch in the state of Massachusetts and its... View Article
There are several ways for homeowners to leverage the equity in their home, but a reverse mortgage is a unique financial tool solely for senior homeowners. A reverse mortgage allows borrowers to withdraw a portion of their equity without having to repay until they leave the home. However, reverse mortgage requirements must be met before... View Article
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