Tag Archives: First Time Home Buyer

Is It Still Worth it to Buy a Home without the Tax Credit?

Over the last couple of months some people have expressed disappointment about the $8,000 tax credit expiring in June. Now while it’s always nice to get money back, all is not lost.  The interest rates are now much better than they were a year ago. Let’s look at a $200K 30 year mortgage at a [...]

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What Does It Really Take to Qualify for a Mortgage Now?

The majority of the mortgage news you hear about these days has to do with how low the rates are and that it is a great time to refinance.  While this is true, these low rates also make it a great time to buy a home.  I thought this might be a great time to [...]

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Everyone Has an Opinion, But Which Ones Really Matter?

It is human nature.  Everybody wants to seem like they know what is best for other people.  This is never more true than during the process of purchasing or refinancing a home.  If you have ever purchase or refinance a home, you have probably experienced this.  As soon as you tell someone that you just [...]

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What Makes Up My credit Score?

One, if not the, most important factors in determining what kind of mortgage you qualify for is your credit score.  The problem is that how the credit score is calculated can be a bit confusing.  The scores can range from 300 to 850. Now while the formulas used to calculate a credit score are proprietary information, [...]

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7 Things You Should Never Do When Applying for a New Mortgage

This is a list of things to steer clear of when you are seeking to obtain financing for a home. The following items may prove to be a detriment when you wish to move forward with the loan process. Don’t open any new credit accounts, especially buying or leasing a vehicle!  Brand new lines of [...]

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