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Home Finance & Mortgage Articles
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How Much House Can You Afford?: To determine your maximum mortgage amount, lenders use guidelines called debt-to-income ratios. This is simply the percentage of your monthly gross income (before taxes) that is used to pay your mont   read full article >>
If you are applying for a home equity loan: 
  1. If you are salaried: provide two years W-2 and one month of pay stubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
  2. If you own rental prop   read full article >>
If you are buying or refinancing a home: 

  1. If you are salaried: provide two years W-2 and one month of pay stubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
  2. If you own ren   read full article >>
Mortgage Application Checklist: 
  • Copy of your Purchase & Sale Agreement.

  • Your present mortgage information.

  • Two year history of employment and verification of all income sources.

  • If self-employ   read full article >>
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    Mortgage Investments: Private mortgage lenders earn higher yields by investing in quality second mortgages.

    Based on your investment objectives, you will be presented with mortgage opportunities for your examination.   read full article >>
    Mortgage Prepayment Penalties - Just Say No!: One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan,   read full article >>
    Mortgage Renewals: The mortgage market is very competitive. All of the major banks, trusts and insurance companies are clamoring for new mortgage business and to maintain their existing business. It is truly a consumer'   read full article >>
    MORTGAGE TIPS FOR FIRST TIME HOME BUYERS : The first thing you need to determine is how much you can afford to spend on your property. One mistake that first time buyers make is to go around looking at properties, finding their dream h   read full article >>
    Mortgages: The Basics: A mortgage is the largest sum of money most people will every borrow. The interest costs alone can easily run into the tens of thousands of dollars. So when borrowing to buy your home, it is important   read full article >>
    Obtain loan approval: Once your loan application has been received the loan approval process starts immediately. This involves verifying your:
    1. Credit history
    2. Employment history
    3. Assets including your bank   read full article >>
     
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    Mortgage Renewals: The mortgage market is very competitive. All of the major banks, trusts and insurance companies are    more >>
    Building the Perfect Mortgage: The ideal mortgage would be one with a lower-than-market interest rate that is open to prepayment an   more >>
    Mortgage Prepayment Penalties - Just Say No!: One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty    more >>
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