Are you planning on using a mortgage to help cover the cost of a new home? If so, you will want to prepare your finances and figure out how you will manage all those wallet-draining monthly expenses. Let's take a look at how to run a quick financial health check to ensure you are ready to apply for a mortgage. Update (Or Start) Your Monthly Budget First, it is essential to get the basics out of the way. If you haven't already, it's time to start a monthly budget to keep track of your income and … [Read more...]
Why You Receive So Much Junk Mail After Closing On Your Home
Congratulations! You have finally closed on your home loan, and you are excited to get moved in. Or, you may have just refinanced your home. Regardless, all of a sudden, you start to get a bunch of junk mail in your mailbox. It can be frustrating to sort through everything, and how did they get your information in the first place? Where Junk Mailers Get Your Personal Information First, there are a few locations where junk mailers may have gotten your personal information. Once your … [Read more...]
What’s Ahead For Mortgage Rates This Week – January 30, 2023
Last week’s economic reporting included readings on new and pending home sales, inflation, and consumer sentiment. Weekly readings on mortgage rates and jobless claims were also released. New home sales increase in December The Commerce Department reported new home sales rose to a seasonally-adjusted annual pace of 616,000 sales in December as compared to the expected pace of 615,000 new homes sales and November’s revised reading of 602,000 annual sales. December was the third … [Read more...]
VA Loans: Are They Assumable?
Members of the military, their family members, and veterans have access to a unique mortgage option called a VA loan. This can be a strong option because it provides borrowers with an opportunity to purchase a house for less than 20 percent down. While not everyone is eligible for a VA loan, there are a lot of people who are wondering, are VA loans assumable? There are a few key points to keep in mind. What Is An Assumable Loan? An assumable loan means that the buyer is essentially going to take … [Read more...]
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