Home Finance & Mortgage FAQs Detail

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Home Finance & Mortgage FAQs Detail

What is the difference between the interest rate and the annual percentage rate (APR)?

Interest rate is the contractual rate that you agree to pay for your mortgage loan. This rate is used to calculate the interest portion of your monthly mortgage payment. Annual percentage rate (APR) includes your interest rate and factors in the prepaid finance charges to give you an average yearly rate. APR can be a good tool to use when you're comparison shopping for rates.

Home Finance & Mortgage FAQs

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Are there limited documentation (a.k.a. EZ doc, no income qualifier) mortgages available?
As a mortgage broker in Kansas (or any other state), my plan is to move to California and pursue this same business. Does California issue mortgage broker licenses and is there any reciprocity in licensing with other states?
As a mortgage broker working outside of California, I occasionally have clients who are moving to California and have asked me to broker a loan for them to be secured by their new home. Although I am not licensed in California, can I broker a loan secured by California real estate? Does California have a rule that allows me to broker a small number of loans in California before I would have to be licensed?
Do I need the services of a loan agent/officer when applying for a loan?
DO I REALLY NEED HOMEOWNER'S INSURANCE?
Does the interest accruing on a mortgage always start from the day when the mortgage is booked?
How can I avoid having to get mortgage insurance on my mortgage?
HOW DO I BEGIN THE PROCESS OF BUYING A HOME?
HOW DOES THE LENDER DECIDE THE MAXIMUM LOAN AMOUNT THAT I CAN AFFORD?
How large of a down-payment will I need?
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Home Finance & Mortgage FAQs

As a mortgage broker in Kansas (or any other state), my plan is to move to California and pursue this same business. Does California issue mortgage broker licenses and is there any reciprocity in licensing with other states?

I am a licensed California real estate broker and I specialize in the sale of real property, primarily residential homes. I would like to branch out and engage in mortgage brokering. What additional licensing must be obtained?

What is the difference between a zero point and a no cost mortgage?


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