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Tag: first time homebuyer

Business

Impact of Fed’s Rate Increase on Mortgage Rates

Impact Of Fed’s Rates Increase On Mortgage Rates So you want to know what happens to mortgage rates when the Feds increase rates? Since mortgage rates respond to market forces, you need to know that the Federal Reserve influence mortgage rates indirectly. Sometimes, mortgage rates increase when the Fed increases short-term rates. This happens because the central bank’s operation set the tone for most other interest rates in the economy. However, mortgage rates don’t always

Business

Buying A Home In A Higher Trending Interest Rate Market

There is still good news despite currently being in a higher interest rate market. And that is that we’re still at levels that are historically low overall. Therefore, if you’re not buying a home with cash, you probably want to know if you can afford a home when interest rates are rising. Without a doubt, there is a lot more than interest rates to factor in when buying a home – location, structural condition, and

Lending

Preparing To Buy Your First Home

So you have decided to buy your first home, right? Congratulations. Just like so many other people, you have reached the point in your life at which buying your own home becomes one of the most reasonable decision to make. So what do you do next after deciding to buy your dream home? There are steps to be taken before you do anything else. These are boxes you should tick if you’re really ready to

Millenials: How To Get Your First Mortgage In California

Getting your first mortgage is intimidating – how do you know if you’re getting good terms, and what do you need to do to qualify for financing for your new home? As millennials age – the oldest ones are now in their mid to late thirties – more and more are looking for funds for their first homes. But as a millennial, you probably haven’t seen the mortgage process before, so what do you need

How To Get A Loan As A First Time Home Buyer

Buying your first home is full of excitement. You can probably already envision enjoying sunny days in your Southern California backyard and the changes you’ll make to turn the house into your home. But before you can start packing, you’ll need to figure out a way to pay for that home. As a first-time buyer, it’s in your best interest to find as much trustworthy help as possible when shopping for a home. This will

2018 VA Mortgage Limits Increase

VA loans are designed as benefits to help active servicemembers, veterans, and their families find a path to homeownership. While these brave men and women serve our country, they can also struggle with finances, credit, and debt upon returning from service. Qualifying veterans and families are entitled to VA loans, and they’ll get the benefits of no required down payment, less stringent credit requirements, and no required mortgage insurance. This is because the government has

5 Ways A VA Loan Can Help You Settle In A New Home

One of the hardest obstacles to overcome when searching for a home is coming up with the money required for a down payment. In order to assist veterans, those in active service, and their families, the Department of Veteran’s Affairs offers home loans with easy terms – including no down payment – allowing those who have served the country and their families to have a home of their own. These are five benefits that a

What Is The Process Of Getting A VA Loan?

If you served or are serving in the military, or are the surviving spouse of a veteran, you may be eligible for a home loan from the Department of Veteran’s Affairs (VA). These loans are designed to offer easy terms from the start of the mortgage process to homeownership, in order to get those who have served into homes quickly and affordably. But is the process of getting a VA loan the same as conventional

The Best Loan Programs For First-Time Home Buyers

For first-time buyers, the entire process of purchasing a home can feel overwhelming. And it is! But luckily for first-timers, there are loan programs available designed to make this process easier when it comes to financing your home. Some specialized loan programs come with specific requirements, while others are open to anyone who qualifies. And the best part? Some of these programs will help you get into a home with no money down. For most

How To Apply For A Mortgage When You’re Self-Employed

When you’re applying for a mortgage, you need to provide your income information – including W-2s and paystubs. But what if you’re self-employed? Getting a mortgage when you’re self-employed is entirely possible, although you may be on the hook for more paperwork to prove your income. However, there are also factors in self-employment that may work against you, so it’s crucial that you are prepared to present yourself to lenders in the best light. These

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