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What Are Mortgage Origination Fees?

Monday, 14 February 2022 by Stephanie Weeks
As a first-time homebuyer, there may be many mortgage terms that sound foreign to you. For example, when you start looking at interest rates offered by lenders, they will often be accompanied by a number of “points” or “origination fees.” What are these extra fees and do you have to pay them? Mortgage Origination Fees
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  • Published in home loan, Choosing a Lender, home mortgage, Lender, loan, Purchasing a home
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Should I Pay Mortgage Points?

Wednesday, 18 July 2018 by Stephanie Weeks
If you are buying a home or refinancing, you have probably heard about “mortgage points.” This form of pre-paid interest can save you thousands of dollars over the course of your loan but in many circumstances is not worth the upfront cost. How do you know whether to pay points or not? Here’s a quick
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  • Published in Advice, buying a home, Checking rates, Closing, home loan, home loan, home mortgage, Home Ownership, Home Purchase, Lender, loan, long-term goals, mortgage, mortgage payment
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Important Changes in FHA MIP Calculations

Thursday, 25 April 2013 by Stephanie Weeks
FHA loans have grown substantially over the past decade, primarily because of the benefits that these loans offer to families with low to modest budgets. The perks to choosing an FHA loan, one that is backed by the Federal Housing Administration, are plentiful and include lower down payments, more forgiveness toward poor credit and the
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  • Published in Advice, Checking rates, home loan, home loan, home mortgage, Home Ownership, Home Prices, Housing, Lender, loan, Mortgage, mortgage, mortgage calculator, mortgage insurance, mortgage payment, refinance
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Why the New Construction Market is Gaining Strength

Tuesday, 23 April 2013 by Stephanie Weeks
In the years following the local housing rush which followed Hurricane Katrina, many home builders have lived through a dramatic slowdown in St. Tammany new construction market. Some experts attribute this to the rapid influx of post-Katrina new residents, and others to the general slowdown in the housing market which has affected the rest of
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  • Published in Advice, buying a home, Checking rates, home loan, home loan, Home Location, home mortgage, Home Ownership, Home Prices, Home Purchase, Lender, loan, long-term goals, Mortgage, mortgage, Purchasing a home
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An Overview of Rural Development Loan Programs

Thursday, 14 March 2013 by Stephanie Weeks
The mission of rural development programs is to assist low to moderate income rural families qualify for homeownership. Living in rural areas, it can sometimes feel like you’re forgotten and lack many of the resources that families living in the cities and suburbs take for granted. Rural development programs improve the quality of life for
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  • Published in Advice, buying a home, Checking rates, government, home loan, home loan, Home Location, home mortgage, Home Ownership, Home Prices, Home Repairs, Housing, Lender, loan, mortgage, mortgage payment
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Top Things You Should Know about FHA Loan Programs

Thursday, 14 February 2013 by Stephanie Weeks
An FHA loan is one that is backed by the Federal Housing Administration. These loan programs have held a steady reputation for their ability to help families with modest budgets, which is why they have become much more popular with the recent housing crisis. FHA loans account for nearly half of the loan market, and
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  • Published in Advice, buying a home, Checking rates, home loan, home loan, home mortgage, Lender, loan, mortgage
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What Is a Jumbo Mortgage?

Friday, 23 December 2011 by Stephanie Weeks
Many people have heard the phrase “jumbo mortgage” and most likely know that it refers to a really large loan.  But did you know that some houses in your neighborhood may require a jumbo mortgage and do you know what the loan limits currently are? So how exactly do lenders define what qualifies as a
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  • Published in home loan, home loan, home mortgage, Lender, loan, Mortgage, mortgage, mortgage payment
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Why do closings always seem to have unwanted surprises?

Tuesday, 13 December 2011 by Stephanie Weeks
It’s one of the most stressful things mortgage originators, realtors and buyers ever face – last minute emergencies with closings.  Without careful and considerate management, it is easy for a client to find themselves in a strung-out paperwork battle and a fight against time.  But fortunately, the mortgage lending process doesn’t have to be this
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  • Published in Advice, Closing, home mortgage, Lender, Mortgage, plan management, refinance, Tips
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A closer look at second mortgages

Monday, 05 December 2011 by Stephanie Weeks
A second mortgage is a second loan taken on a home where a current mortgage is in place behind your first mortgage. This type of loan is commonly called a home equity loan. To get one, you need to have equity in your home, which means you need to have a home where the value
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  • Published in home loan, Lender, loan, Mortgage
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Can a Parent Co-Sign on a Mortgage?

Tuesday, 08 November 2011 by Stephanie Weeks
This is a very common question, especially with first time home buyers. A parent may wish to cosign on a mortgage loan if he or she wishes to provide help to their child to qualify to purchase a home. Many adult children may not have good credit or adequate experience with credit to obtain a
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  • Published in Lender, loan, Mortgage, mortgage
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