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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
There are few investments better than real estate; however, all investments carry some degree of risk by nature. This risk is even more prominent in investments like real estate, which has incredibly low liquidity. While many investors look at real estate acquisition as relatively safe, this can change drastically when buying a property that was... 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
When it comes time to reach a major financial milestone like buying a home, the negative information on your credit report could interfere with your dreams. Fortunately, there are steps you can take to improve a poor credit score and work towards homeownership. In this article, we will explore the process of repairing damaged credit.... View Article
If you’ve been eagerly awaiting your chance to make the most out of your yard, now’s your time to shine! Summer is the best season for outdoor get-togethers and relaxing in the sun—make your home the go-to party destination with these tips!
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.
When applying for a mortgage or refinancing, you are likely to come across some terms that may sound foreign but weigh heavily on a lender’s credit decision. Among those terms, you are likely to encounter the loan to value (LTV) ratio. This article will discuss how the loan to value ratio plays into the homebuying... View Article
When taking out a loan, there are many aspects to consider. Inevitably, you will have interest on the borrowed amount, which can be simple interest or compounded interest. Compounded interest is compounded daily, monthly, or annually. When compounding occurs, the interest is added to the amount owed. It can provide lower interest rates, but it’s... View Article
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