At home.loans, we’re all about educating home buyers and homeowners, so we rounded up the most frequently asked mortgage-related questions that people are asking, and answered them all!
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The good news is that there are programs out there that can help you not just with buying a home, but with getting the down payment together too.
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You can find a home loan with a smaller down payment than 20%. In some cases, you may even be able to find mortgages with no down payment at all!
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Let’s be honest: it’s tough going it alone. Especially when you’re a home buyer. Wouldn’t it be nice to have someone on your side? Someone to guide you in the right direction when it comes to buying the right house for you — and at the right price, with the right financing and terms?
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Even as the housing market starts to sort of get back to normal, there are clear signs that we’re not back to business as usual. Last week, the Mortgage Bankers Association shared their weekly round-up for mortgage news and while people are trying very hard to buy, there’s an elephant in the room: the adjustable rate mortgage.
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Rather than starting out with some tired joke about Millennials and diamonds, Millennials and Ramen, or Millennials and their useless college degrees -- we’re actually here to give you some good news.
Millennials have a fantastic advantage when it comes to purchasing a home in 2018.
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Being a first-time home buyer is a glorious time in your life. You’re on a solid path with your career, you’ve managed to save a little money, and maybe (dare we say it?) you’ve come to enjoy tracking your credit score. As a responsible, independent adult, you’re tired of living under the rule of your landlord -- so now it’s time to get out on your own and buy a home!
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You thought your college apartment was tiny--that is, until you started seeing tiny homes pop up everywhere. They make that apartment look like a mansion by comparison. Financing them, on the other hand, isn’t so attractive all the time. Let us help you make your little dreams come true.
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Falling in love with a house, especially when you're a first-time home buyer, is a bit like falling in love with a person. It's easy to idealize your future home and completely overlook its flaws. Here are the top things you're most likely to come to regret if you're a first-time homebuyer.
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This week, we're answering the all-important question: what makes a winning offer on a home? Our colleague, Kristi Waterworth, former real-estate agent of nine years, is here to answer that.
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A 15-year mortgage isn't right for everybody, but it may be perfect for you. Let's talk about what the 15-year mortgage is, then we'll get into the gritty details to help you figure out if this product would work well in your situation.
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First time home buyers have so much to deal with when they’re starting the process that it’s hard to shortlist the most important things for them to keep in mind. Clearly, it's best if you're as prepared as possible -- and if you're already on the hunt for your dream home, you probably know a bit about what you're doing already.
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If you're a first-time home buyer, the process of purchasing a house can seem intimidating and complicated. There's a ton of information out there, so it's easy to get overwhelmed. On top of that, a lot of the information is wrong. Below are six myths about financing a home that simply aren't true.
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The truth is that home buyer grants aren’t actually for everybody, but they are for a lot of people. In fact, there are so many out there that unless your income is exceptionally high for the area or you’re on a tight schedule, you’ll probably find plenty of places that will give you a grant or something similar to get into your first home.
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Choosing the mortgage that’s right for you can be really confusing and complicated, especially if you’re one of many buyers who has a lot of options to choose between. Do you go with the 30-year conventional or the 30-year FHA? What’s this USDA thing all about? This blog should help fill in what you need to know about the different types of mortgages.
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In our last post, we explained the Loan Estimate form and how it can help a mortgage shopper decide between mortgage loan options. This blog is about that form’s fraternal twin, the Closing Disclosure form. They’re two pieces of a whole, designed to ensure that you get the loan you think you’re getting and all your mortgage and closing related expenses are spelled out in plain English.
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If you’re a first-time home buyer, you may have no idea how much house you can actually afford. What’s expensive for some buyers may be totally doable for you (whereas that cobblestone dream home down the street may be more of a future goal than a practical starter home). There’s no quick formula to figuring out how much you should spend on your home, but we’ll give you the top 6 factors to consider so you can start honing in on your ideal price range.
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When you’re staring down yet another $400 utility bill in the dead of winter, the idea of an energy-efficient house might start to seem really appealing. An energy-efficient home loan is one approach to funding home improvements, however it can also lead to higher periodic mortgage payments. Energy-efficient mortgages are most of the times accompanied by potential challenges.
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Getting a good deal on your dream house requires you to be informed on current rates, and educated when it comes the home buying process. Whether you want to buy your own home or an investment property, remember: whenever you can, avoid settling for the existing market-price.
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You might have mastered the art of nailing a good deal on a home, but that’s all for naught if you don’t pick a home that matches your personality and needs. Finding the perfect house is like going on a blind date; you have to think about how your date makes you feel, whether they’ll connect with your loved ones, and whether you have a future together.
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Are you shopping for a new home? You may have already noticed how househunting can be bizarrely taxing to the body and mind. Don’t worry, we’re here to get you to the other side of ownership with a big smile on your face. So, let’s jump straight into the deep end and take a look at the top first-time home buyer mistakes.
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You may think you can't buy a home if your credit is poor, but we have some good news: even if your credit score is lurking somewhere in the depths of the Atlantic Ocean, you can still own your dream home—and without a down payment of 20%.
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