First Time Buyers

Loans That  Impact Your Mortgage-ability

A good credit rating is built on a number of financial factors including paying your bills on time and the length of your credit history, but loans can also be a source of bolstering your credit score in a positive way. While this means that loans can actually be a good thing, there are also the kinds of loans that can have a damaging impact on acquiring a mortgage. If you’ll soon be pursuing your own home purchase, here are some loans that may have a negative impact.

kcallender | Jan 5, 2018

Disposable Income & It’s Mortgage Impact

There are few things more exciting than finding your ideal home, but with the rising cost of housing, a person’s dream home can often come with a very high purchase price.

kcallender | Jan 4, 2018

Pros & Cons Of Borrowing A Down Payment

With the rising cost of real estate, many people feel that now is a good time to buy a home to ensure a good financial future. However, if you haven’t saved up enough money to make a down payment, it’s possible you may be considering whether or not you should borrow the funds. If you’re considering a loan from friends or family, here are some points you may want to think about before asking for a loan.

kcallender | Dec 30, 2017

Here’s Why You Don’t Need 20% Down

If you’re just getting into the real estate market, you may have heard that 20% down is the ideal percentage in order to lower your monthly payments and get your mortgage application approved. However, while 20% is often suggested, many people struggle to come up with this amount of money. If you’re staving off home ownership because of your net worth, here are some reasons you may not need to hold off as you long as you thought.

kcallender | Dec 26, 2017

Here’s What to Expect on Closing Day

There are so many details that lead up to the purchase of your dream home that it can be hard to realize it when the closing day is finally upon you. However, when closing day finally arrives, there will still be a few last minute details that need to be taken care of.

kcallender | Dec 20, 2017