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Guide to the Home Loan Process
Trying to figure out how to navigate the home loan process? If you’re a first-time home buyer, working with an experienced mortgage broker – like the professionals at Intercap ...
How to Calculate Your Debt-to-Income Ratio for a Home Loan
Mortgage lenders consider your debt-to-income ratio (DTI) to be a good indicator of your ability to repay a home loan. Essentially, this figure is a comparison of how much debt you ...
4 Ways to Avoid Private Mortgage Insurance (PMI)
Private mortgage insurance (PMI) protects lenders from losses, helping offset the risks of default and foreclosure. That’s great for lenders – but when PMI is required, home lo ...
Mortgage Approval After Bankruptcy – How Soon Can You Buy a Home?
Though bankruptcy stays on your credit report for up to 10 years, you won’t have to wait that long to obtain a mortgage approval. Lenders have eased their qualification requireme ...
Mortgage Refinance Loans – When Does Home Refinancing Make Sense?
Should you consider a mortgage refinance loan? Home refinancing is a big step, but if taken at the right time, could be to your financial benefit. A mortgage expert, like the profe ...
FHA Loans: Qualification Requirements & Mortgage Size Limits
An FHA loan, or a mortgage insured by the Federal Housing Administration, is an attractive option for both repeat and first-time home buyers. The flexibility of this type of financ ...
Are Mortgage Closing Costs Negotiable?
Mortgage closing costs are unavoidable with most conventional home loans, and the expense can amount to several thousand dollars or more. In most cases, the total due at closing is ...