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Everyone has one. It is a credit score. Whether you have bad credit, good credit, fair credit, excellent credit, or no credit, your wallet will be affected. This is especially true when obtaining a loan for a real estate purchase. I found this article below that gives a good summary of the different ways credit scores are affected and how your credit score can affect … [Read more...]
In a day in time when mortgages are becoming increasingly more difficult to obtain and as home builders are looking to find more pre-sales, builders are finding more creative ways to help their clients be able to qualify for a home loan, and in turn, buy their new home product. Just the other day I experienced that even the most qualified A-rated credit homeowners may have an issue with … [Read more...]
This is probably the most important and most simple process when you start thinking about buying a home. It is typically something people think about last, or at least definitely not first. It takes literally 5 minutes or less of a conversation with any home lender to take some general information to be able to tell you if you can be approved for a home loan. Not only that, they will be able to … [Read more...]
volume 19, Issue 1 Week of January 2, 2012 Brought to you by: Brent W. Daniel MLO NMLS # 594944 256.468.5867 - direct brent.daniel@bxs.com www.bancorpsouthmortgage.com/brentdaniel Market comment Mortgage bond prices were higher last week which pushed mortgage interest rates lower. We started the week with some unfriendly data as the consumer confidence report was higher than … [Read more...]
Multiple FHA loans A principal residence is a property that will be occupied by the borrower for the majority of the calendar year. FHA Requirement for Establishing Owner Occupancy At least one borrower must occupy the property and sign the security instrument and the mortgage note in order for the property to be considered owner-occupied. FHA security instruments require a … [Read more...]
There are many tax benefits to home ownership. The three main deductible items are: Mortgage interest Property taxes Mortgage insurance Here are some important documents that you'll need handy for preparing your tax returns…and maximizing those deductions! First, make sure to have the Form 1098 that was sent to you by your mortgage company. This will list the mortgage interest and mortgage … [Read more...]
