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BLOGS
Mortgage Rates Rise as Debt Ceiling Deadline Looms
Home buyers faced higher mortgage rates this week as all eyes remain on negotiations in Washington over the nation’s debt ceiling. Economists warn of dire economic consequences if America goes into default on its debt, and that would almost definitely impact borrowing costs.
Mortgage Rates Are Poised To Fall
The U.S. Federal Reserve isn’t expected to announce another interest rate hike in the wake of the banking crisis, especially as the inflation the Fed has been fighting continues to slow. The change in policy could give mortgage interest rates some room to come down. (Mortgage rates are separate from the Fed’s short-term rates, but they have been following a similar upward trajectory.)
Economic data suggests the U.S. economy is only gradually losing momentum
Consumers continued to spend, albeit at a slower pace, and industrial and housing activity are seeing some stabilization.
Mortgage Rates Hold Steady After Last Week’s Big Drop
After posting their biggest drop in a decade last week, mortgage rates remain at multi-month lows—and borrowers are rushing to take advantage. The 30-year fixed-rate mortgage averaged 4.08 percent this week.
Mortgage Rates Dip in January
Borrowers kicked off 2018 as mortgage rates dip. The 30-year fixed-rate mortgage is now down a quarter of a percentage point from a year ago.
Top Three Holiday Hazards
A new study from insuranceQuotes has identified the top three holiday hazards to homes this holiday season: porch pirates, decoration vandals, and house fires. The survey was based on responses of more than 1,000 consumers.
Home Equity: What is it?
Essentially, home equity is the amount that differentiates the home’s value and how much the borrower owes. When a borrower pays down the mortgage debt, he or she is also contributing to the home equity.
Closing Your Home: What to Expect
So you’ve found the home of your dreams. You’ve been preapproved for a mortgage and you’ve submitted your offer, with earnest money deposit, to the seller. The seller has accepted your offer, you’ve had a home inspection performed and now you’re ready to close – – what should you expect at the closing?
LOAN FORMS
The forms below are basic forms that may be used in the mortgage application process. To learn more about each individual form, please contact us.
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Loan Applications:
Other Forms:
Disclosures:
- Disclosure Notices
- Equal Credit Opportunity Act Disclosure
- Flood Insurance Disclosure
- Right to Receive Appraisal
FHA:
