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Archives for December 2021

Racheli Refael December 29, 2021

Do You Need Mortgage Insurance Even If It’s Not Required By Your Lender? Let’s Take A Look

Finding a proper mortgage loan and understanding the processing procedures behind the loan is the basis of good research. The down payment on a mortgage loan is typically significant when dealing with mortgage insurance. Most loan applications with less than 20% down payment are required to include mortgage insurance with the loan. However, mortgage insurance may still be required even if it's not typically required by your lender. Underwriting Requirements Most home mortgage applications … [Read more...]

Filed Under: Home Buyer Tips Tagged With: Mortgage, Mortgage Insurance, Mortgage Loans

Racheli Refael December 28, 2021

Major Mistakes Which Are Sure to Increase Your Closing Costs

When shopping for a mortgage, it is important to take closing costs into account. While some closing costs are the same for all lenders, different programs may add or reduce some of the burden borrowers face when closing on a home loan. Let's take a look at some major mistakes that could result in borrowers paying more than they need to in closing costs. 1) Failing to Take Property Taxes Into Account Property taxes are generally put into an escrow account that is established prior to closing on … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Closing Costs, Home Mortgage Tips, Mortgages

Racheli Refael December 27, 2021

What’s Ahead For Mortgage Rates This Week – December 27, 2021

Last week’s scheduled economic reporting included readings on sales of new and previously-owned homes along with weekly data on mortgage rates and jobless claims. Home Sales Increase in November Sales of new and previously-owned homes rose in November. The Commerce Department reported sales of new homes rose to 744,000 sales on a seasonally-adjusted annual basis. October sales of new homes were revised to a year-over-year reading of 662,000 new homes sold, which was the lowest reading … [Read more...]

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Racheli Refael December 22, 2021

The ‘Debt to Income’ Ratio and How It Affects Your Home Purchase

The real estate market is rife with terminology that can make a home purchase seem more than a little complicated. If you're currently looking for a home and are considering your loan options, you may have even heard the term 'Debt to Income' ratio. In the interest of simplifying things, here are some insights on what this term means and how it can impact your home investment. Determining Your 'Debt to Income' Ratio It's important to consider what exactly your DTI ratio is before your home … [Read more...]

Filed Under: Mortgage Tips Tagged With: Buying a Home, Home Buyer Tips, Real Estate Tips

Racheli Refael December 21, 2021

What’s Ahead For Mortgage Rates This Week – December 21, 2021

Last week’s economic reports included readings from the National Association of Home Builders on housing markets and the monthly post-meeting statement from Federal Reserve policymakers. Fed Chair Jerome Powell also gave a press conference. Weekly readings on mortgage rates and jobless claims were also published. Builder Confidence in Housing Markets Rises by One Point in December Homebuilder confidence in current national housing market conditions rose one point to an index reading of 84 … [Read more...]

Filed Under: Financial Reports Tagged With: Jerome Powell, Jobless Claims, Mortgage Rates

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