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July 5, 2022
Buying a house after a divorce is a big step toward a new beginning. However, divorce has a direct impact on every aspect of your life, and you’ll need to make sure you’re ready before committing yourself to a new mortgage. Before you start mortgage shopping, here’s what you can expect to face if you’re... View Article
Buying a house with student loans can be a challenge, but it doesn’t mean it’s impossible. Having student loan debt increases your debt-to-income (DTI) ratio and can hurt your credit score, which lenders classify as being at a greater risk of loan default. However, there are steps you can take to improve your financial health... View Article
Although we have seen many examples of positive legislation and improved social action in the fight for equality for LGBTQ+ people over the past years, there are still some social and legal hoops that they have to jump through. These hoops include mortgage laws, which can make getting a loan and buying a home more... View Article
Hello! My name is Carmen. I'm the Social Media Manager at Total Mortgage and usually the person putting together the employee spotlights! I'm a New Haven, CT native and received my Bachelor's degree in Business Administration with a concentration in Marketing.
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. By calculating your debt-to-income ratio, you can take the necessary steps to lower your DTI and get... View Article
What you pay to borrow money goes beyond your interest rate. By knowing what APR on a mortgage means, you can get a better understanding of the total cost of your mortgage. Knowing the APR is also a great way to compare lenders. It includes all costs associated with your mortgage spread out over the... View Article
Mortgage amortization can be defined as the process of paying down your home loan to $0. But knowing your amortization schedule can also help when it comes to home equity and coming up with a strategy to pay off your mortgage early. Here’s what you should know about mortgage amortization, how it works, and how... View Article
Cristin Fitzpatrick graduated from The University of Connecticut with a B.A. in Psychology has studied Organization Development at a Masters Level at American University and is a Certified Professional Coaching graduate from one of the country’s leading coaching schools. She has over 10 years of experience in the real estate and mortgage industry and works... View Article
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