Lending Expert Blog

April 26, 2017

Some considerations for home loan refinance, Ventura, CA

There are some things to consider when deciding on whether or not to go for home loan refinance, Ventura, CA. They should serve as your guide in order to be as clear-cut as possible in your decision. It is important to note that whatever mortgage decision you make will have a big impact on your financial situation – and it can be long lasting. Thus, it makes sense to weigh all of the factors (and a mortgage professional can be very helpful on this) before you make your final decision. Here are some considerations for home loan refinance, Ventura, CA: When there’s a lower interest rate. A number of homeowners go for refinancing when they find an opportunity to secure lower interest rates – because that could mean huge savings. The changing trends on mortgage interest rates gives that opportunity. These days, experts recommend refinancing only if one is able to secure 2% (or more, if possible) lower interest rate. However, it might be not worth it if you are just able to save a small amount, given that interest rate reduction. In other words, it is more meaningful to go for refinancing at 2% lower interest rate when you have a 500k mortgage than when you have a 100k mortgage. Just figure out the number and do what the number tells you. If you want to shorten loan terms. Another reason that is compelling enough to refinance your home is when you want to shorten the loan’s term. For […]
April 26, 2017

When to consider home loan refinance, Austin, TX

Home loan refinance, Austin, TX is an important matter that requires a clear-cut decision-making. Whatever decision you make will have a big impact on your financial situation – and the effect can be long lasting. Thus, it makes sense to weigh all of the factors (and a mortgage professional can be very helpful on this) before you make your final decision on whether or not to go for home loan refinancing. Here are some scenarios that might compel you to go for home loan refinance, Austin, TX: When there’s a lower interest rate. Many homeowners go for refinancing when they find an opportunity to secure lower interest rates because that could mean huge savings. The changing trends on mortgage interest rates provides such opportunity. Industry experts recommend refinancing if one is able to secure 2% (or more if possible) rate reduction. If you are able to find at least 2%, then it could be a wise decision to go for refinancing. However, it is not worth it if you are just able to save a small amount with such interest rate reduction. For instance, it is more meaningful to go for refinancing at 2% lower when you have a 500k mortgage than when you have a 100k mortgage. In other words, figure out the number and do what the number tells you. If you want to shorten loan terms. Another good reason to refinance your home mortgage is when you want to shorten the loan’s term. For example, if you […]
April 26, 2017

Home Loans Austin TX

Looking for the best Home Loans with the Lowest Mortgage Rates in Austin, TX! Call HomePlus Mortgage! 800.810.7587 We Offer the Highest Level of Personalized Customer Service and the Most Competitive Rates in the Industry. Looking for the best Home Loans in Austin? You need to talk with the mortgage professionals at Home Plus Mortgage! Home Plus Mortgage ensures that you get the absolute best rate with the best Home Loans in the current Bellevue mortgage loan market.   Pick up the phone and call us right now! Our goal is to provide you with the highest level of service and most convenient, competitive mortgage loan refinance. Now is the time to take advantage of the lowest mortgage rates we’ve ever seen! Don’t wait, interest rates can’t stay this low forever. – Home Loans – FHA Loans – VA Loans – 30 Year Loans – 15 Year Loans – 7/1 ARM – 5/1 ARM – Jumbo Loans – Low Interest Rates – Pre-Approved Loans – Refinance Loans – Cash Out Loans – Debt Consolidation – Mortgage Calculator Even if you’re working with another lender, there’s no obligation and it’s highly likely that we’ll get you a better interest rate and save you a ton of money over the life of your home loan refinance. With our large selection of programs, we can often qualify you for a home loan even if you have been turned down elsewhere. Don’t make a mistake! Home Plus Mortgage professionals are dedicated to providing you […]
April 26, 2017

Home Loans Orange CA

Looking for the best Home Loans with the Lowest Mortgage Rates in Orange, CA! Call HomePlus Mortgage! 800.810.7587 We Offer the Highest Level of Personalized Customer Service and the Most Competitive Rates in the Industry. Looking for the best Home Loans in Orange? You need to talk with the mortgage professionals at Home Plus Mortgage! Home Plus Mortgage ensures that you get the absolute best rate with the best Home Loans in the current Bellevue mortgage loan market.   Pick up the phone and call us right now! Our goal is to provide you with the highest level of service and most convenient, competitive mortgage loan refinance. Now is the time to take advantage of the lowest mortgage rates we’ve ever seen! Don’t wait, interest rates can’t stay this low forever. – Home Loans – FHA Loans – VA Loans – 30 Year Loans – 15 Year Loans – 7/1 ARM – 5/1 ARM – Jumbo Loans – Low Interest Rates – Pre-Approved Loans – Refinance Loans – Cash Out Loans – Debt Consolidation – Mortgage Calculator Even if you’re working with another lender, there’s no obligation and it’s highly likely that we’ll get you a better interest rate and save you a ton of money over the life of your home loan refinance. With our large selection of programs, we can often qualify you for a home loan even if you have been turned down elsewhere. Don’t make a mistake! Home Plus Mortgage professionals are dedicated to providing you […]
April 26, 2017

Home Loans Ft Myers FL

Looking for the best Home Loans with the Lowest Mortgage Rates in Ft Myers, FL! Call HomePlus Mortgage! 800.810.7587 We Offer the Highest Level of Personalized Customer Service and the Most Competitive Rates in the Industry. Looking for the best Home Loans in Ft Myers? You need to talk with the mortgage professionals at Home Plus Mortgage! Home Plus Mortgage ensures that you get the absolute best rate with the best Home Loans in the current Bellevue mortgage loan market.   Pick up the phone and call us right now! Our goal is to provide you with the highest level of service and most convenient, competitive mortgage loan refinance. Now is the time to take advantage of the lowest mortgage rates we’ve ever seen! Don’t wait, interest rates can’t stay this low forever. – Home Loans – FHA Loans – VA Loans – 30 Year Loans – 15 Year Loans – 7/1 ARM – 5/1 ARM – Jumbo Loans – Low Interest Rates – Pre-Approved Loans – Refinance Loans – Cash Out Loans – Debt Consolidation – Mortgage Calculator Even if you’re working with another lender, there’s no obligation and it’s highly likely that we’ll get you a better interest rate and save you a ton of money over the life of your home loan refinance. With our large selection of programs, we can often qualify you for a home loan even if you have been turned down elsewhere. Don’t make a mistake! Home Plus Mortgage professionals are dedicated to […]
March 31, 2017

Some useful insights that a mortgage lender wants borrowers to learn

We have learned a lot from mortgage lenders with our long years of experience working with them on behalf of our clients (borrowers). So, whenever clients visit our office seeking assistance for their mortgage loan application, we see to it that we are able to discuss useful insights (including those tips from the lenders themselves) to be able to help borrowers have a smoother home loan application process. As always, it is our core goal to help clients get the best mortgage deal in town; thus, we see to it that they are guided every step of the home loan application process. In this post, we are sharing some of the things that a mortgage lender, Tampa, FL wants borrowers to understand to help them find the best deal possible. These include the following: Saving for a down payment can make a difference. Though there are mortgage loans that do not require borrowers to put a down payment, mortgage lenders highlight the benefit of saving for it (putting some amount away from salary for savings should effectively facilitate that). Having some amounts (recommended is 20%) to put down offers a huge advantage. Aside from higher chances of actually getting a mortgage, it surely can put some burden off a borrower’s shoulder with having to pay a smaller monthly mortgage due. Here are more advantages of putting a 20% down payment on mortgage. Understanding the various types of loan helps borrowers find the best options. If one knows different types of […]
March 30, 2017

These help borrowers get home loan approval from a mortgage lender, Austin, TX

Whenever clients visit our office asking help for their mortgage loan application, we see to it that we are able to include discussing with them useful tips (including those tips we have learned from mortgage lenders themselves), which help them get the best home mortgage deal available in town. It is our prime goal to help borrowers every step of the way of the mortgage application process. In this post, we are sharing a number of useful insights that can help borrowers get approved by a mortgage lender, Austin, TX. These include the following: Saving for a down payment. Though there are mortgage loans that do not require down payment, mortgage lenders recommend (as we do) saving for it, and putting some amount away from salary to save for down payment should effectively facilitate that. Having some amounts (recommended is 20%) to put down provides a number of benefits. Aside from higher chances of actually getting a mortgage, it can also put some burden off a borrower’s shoulder knowing that he/she pays smaller monthly mortgage dues. Here are more advantages of putting a 20% down payment on mortgage. Shaping up credit scores. Having a good credit puts a borrower in a position to attract the best mortgage loan deal. That said, it makes sense to shape up one’s credit score. It is important that a person who is looking for the best mortgage lender, Austin, TX should obtain a copy of his/her credit score report and act based on the […]
March 30, 2017

Some important things that a mortgage lender, Irvine, CA wants borrowers to know

We have learned a lot of things from mortgage lenders with long years of experience working with them for our clients (borrowers). So, whenever clients visit our office for mortgage loan help, we see to it that we are able to discuss useful tips (including tips from the lenders themselves) that can help borrowers have a smoother home loan application process. As always, it is our desire that our clients get the best mortgage deal in town, so we make sure that they are guided every step of the way. In this post, we are sharing some of the things that a mortgage lender, Irvine, CA wants borrowers to know. These include the following: That saving for a down payment can make a difference. Though there are mortgage loans that do not require borrowers to put a down payment, mortgage lenders underscore the benefit of saving for a down payment. Having some amounts to put down makes a big difference (recommended is 20%). Aside from higher chances of getting a mortgage, it surely can put some burden off a borrower’s shoulder, knowing that he/she has to pay a smaller monthly mortgage due. Here are more advantages of putting a 20% down payment mortgage. That credit scores can play a key role for home loan success. There are a number of reasons to shape up credit score. Having a good credit puts a borrower in a position to attract the best mortgage loan deal. That said, it is imperative that a […]
March 21, 2017

Read this before you hire a mortgage broker

One way that can help you in your search for the best mortgage loan is to use a mortgage broker Santa Clarita, CA. A broker can help you navigate the complex lending process from start to finish. With expertise and a wide network of mortgage information they have, getting your dream home can become a reality. However, there are important things you need to understand so that when you are shopping for a home loan with your mortgage broker, it is going to be a smooth-sailing business relationship; it is imperative that you and your broker are on the same page. Here are some important things you need to know: What does a mortgage broker actually do? A mortgage broker, who should be a licensed one, acts as a middleman between you and potential lenders. Working in your behalf, your broker should find the best deals from mortgage lenders available – those who offer the most competitive terms and rates. Your broker does all the legwork for you – gathering the required documents, checking your credit history, among other pertinent mortgage loan requirements. How does a mortgage broker earn money? A mortgage broker, Santa Clarita, CA is get paid by a commission for the services he/she renders. In the most common payment set-up, a broker charges you for a loan origination fee, which is an upfront fee charged by a lender for processing a new loan application. It ranges between 0.5 to 1% of your loan amount. How to choose […]
March 21, 2017

Consider these things when looking for a mortgage lender Palm Beach, FL

Shape up your credit score. Why it is so important? The truth is, not everyone can qualify to buy a home; there are certain criteria that a mortgage lender Palm Beach, FL considers before granting a loan and a good credit score is one of these criteria. It is to make sure that you can repay your loan. Please note that a low credit score might deem you as a risky borrower and they are likely to impose higher interest rate on your loan. Therefore, you should get your credit score in shape when you plan to apply for a mortgage loan. Do your homework. What are the benefits of doing your homework? For one, doing prior research allows you to know the lending landscape better. For another, it allows you to ask the right questions to your prospects. Furthermore, it provides an opportunity for you to familiarize important institutions in the mortgage lending industry such as credit unions, mortgage bankers, correspondent lenders, mutual savings banks, among others. In other words, it can make you well-prepared. Collect and select strategy applies. As there are lots of mortgage lenders in Palm Beach, FL, chances are it is going to be challenging for you pick one that can provide you the best deal. That is why the collect-and-select strategy can be useful. You need to get quotes from different prospective lenders and do the necessary comparison. Of course, compare an apple with an apple, which means you need to compare them based […]