Home Loans

Frequently Asked Questions About Refinancing

A mortgage refinance is the process whereby a new loan pays off the existing home loan, often replacing it with new terms that benefit the homeowner. Though it can seem a daunting process, knowing key facts about refinancing options can

The Language of Lending: Confusing Home Mortgage Terminology Explained

Buying a home can be a daunting process, and confusing mortgage terminology only adds to a first-time buyer’s frustration. Taking the time to understand the language of lending, however, can significantly reduce the amount of stress involved in the home-buying

Why You Should Always Shop Around for a Mortgage Loan

Navigating the process of buying a home can be confusing, especially for first-time buyers. That’s why so many consumers go straight to a familiar lender, like their local bank, for a mortgage loan. Although that can simplify the process, it

Now is the Time to Refinance Your Mortgage

With mortgage rates at a record low, now is a good time to refinance your mortgage. “With rates approaching historic lows, now is probably the time to refinance if you haven’t done so in the past several years,” says Keith

What Your Real Estate Attorney Wants You to Know

Your attorney has your best interests at heart, which is especially important when you’re buying or selling a house. Don’t wait to hire an attorney. It may cost a lot of money, but you’ll be glad when the time comes

Why You May Want to Put Just One Spouse on Home Loan

When you and your spouse are applying for a mortgage, sometimes it could be better to put just one of your name’s on the loan. John Walsh, CEO of Total Mortgage, says high debts, low income or poor credit could

What You Should Know About Applying for a Home Loan

Taking on a home loan is an important life decision. So how can you make sure you get the best deal? Start by making sure your CIBIL score is good. This means ensuring you will make payments on time and clearing credit

Capital One Launches New Digital Home Loan Experience

Capital One Home Loans is launching a new digital experience for homeowners and home buyers which will be available in select markets. The process can be done from any device, and users can apply for a mortgage or home equity

How Your Parents Can Help With Your Mortgage

Some lenders are now letting parents help their children qualify for huge mortgages by co-signing. Ray Rodriguez, regional mortgage sales manager for TD Bank in Cherry Hill, N.J., said that his bank allows parents to co-sign because it makes the loan

Home Buyers Turn to Independent Mortgage Companies for Loans Over Banks

Home buyers are now tending to choose independent mortgage companies for home loans over banks. According to the Federal Reserve, in 2014, independent mortgage companies were responsible for 47 percent of completed home-purchase loans and 42 percent of refinance loans. Some

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