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Before you can access a mortgage, you need to get approved. Determining what items are required to get approved for a mortgage can be tricky. Several items are necessary for mortgage approval, and these things often come into play during pre-approval. This article will help you understand the documents and proof that are critical to... View Article
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
A U.S. Department of Agriculture (USDA) loan is designed to support rural land development. USDA home loans are meant for home buyers with low to moderate incomes or those buying for the first time. Despite their rural focus, these loans are not reserved for only farmers and are accessible to other home buyers. Thanks to... View Article
Private mortgage insurance, or PMI, allows borrowers to purchase a home without making a 20% down payment on a conventional mortgage. PMI also adds to the cost of your mortgage, and how much you pay depends on the size of the loan and your credit score. Let’s take a look at private mortgage insurance, how... 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
Studies show that landscaping can add 12 to 15 percent to the value of your home. All you need is a green thumb to put some extra green in your pocket. Landscaping is more than flowers and shrubs. Upgrades can involve things like patios and decks, flowerbeds, barbecue pits, watering systems, and plants of all... View Article
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