Mortgage Blog
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Category: Mortgage (45 posts)
Navigating the New Normal: How Remote Work is Reshaping the US Mortgage and Real Estate Landscape
December 3, 2023 | Posted by: Troy Hernandez
In recent years, we've witnessed a seismic shift in our work lives, notably the rise of remote work catalyzed by the COVID-19 pandemic. This change isn't just about swapping office desks for d ...
read moreUnlock Your Home’s Potential: Using Home Equity for Renovations
November 15, 2023 | Posted by: Troy Hernandez
What is home equity? Imagine your home is a piggy bank, except instead of spare change, it's filled with the value you've built up over time. Home equity is the difference between your home's market ...
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Federal Reserve issues FOMC statement - Nov 1, 2023
November 1, 2023 | Posted by: Troy Hernandez
Recent indicators suggest that economic activity expanded at a strong pace in the third quarter. Job gains have moderated since earlier in the year but remain strong, and the unemployment rate has rem ...
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Mortgage Brokers vs. Direct Lenders: Why a Broker Might Be Your Best Choice
October 18, 2023 | Posted by: Troy Hernandez
Mortgage Brokers vs. Direct Lenders: Why a Broker Might Be Your Best Choice Hi there, prospective homeowner! Dive into any mortgage conversation, and you'll hear the terms "mortgage brokers" an ...
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When Your Dream Home Catches Your Eye: Be Prepared to Seal the Deal
October 10, 2023 | Posted by: Troy Hernandez
The thrill of finding your dream home is unmatched and can be very exciting. Once you stumble upon the perfect home within your budget, it's time to step up and make a proposition. But before you do, ...
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A Guide To First-Time Home Buyer Programs, Loans And Grants
September 30, 2023 | Posted by: Troy Hernandez
Purchasing a home involves many considerations, and it's common for first-time buyers to have queries. You might be curious about tips for first-time homeowners, or how to secure assistance for down ...
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Understanding Title Insurance Costs: A Beginners Guide
September 18, 2023 | Posted by: Troy Hernandez
Embarking on the journey of purchasing a new home is thrilling, yet the financial commitment can be daunting. It's imperative for prospective homeowners to take preventive steps to ensure their fina ...
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Closing Costs: What Are They, And How Much Will You Pay?
August 23, 2023 | Posted by: Troy Hernandez
Understanding Closing Costs: What They Are and What You'll Pay When you buy a house, your down payment isn't the only money you'll need at the closing table. Closing costs are additional expenses, se ...
read moreNavigating High-Interest Rates and Inflation: A Guide to Mortgage Management
August 5, 2023 | Posted by: Troy Hernandez
Introduction As your trusted mortgage professional, I understand that the current economic backdrop in the USA is posing challenges for many homeowners. With interest rates and inflation on the ris ...
read moreFederal Reserve issues FOMC statement
July 27, 2023 | Posted by: Troy Hernandez
Recent indicators suggest that economic activity has been expanding at a moderate pace. Job gains have been robust in recent months, and the unemployment rate has remained low. Inflation remains eleva ...
read moreHow To Calculate Home Equity: A Step-By-Step Guide
July 10, 2023 | Posted by: Troy Hernandez
How to Calculate Your Home Equity Understanding Home Equity Home equity represents the portion of your home's value that you truly own as a homeowner. Determining Your Home Equity ...
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June 14-2023 - Federal Reserve issues FOMC statement
June 15, 2023 | Posted by: Troy Hernandez
Recent indicators suggest that economic activity has continued to expand at a modest pace. Job gains have been robust in recent months, and the unemployment rate has remained low. Inflation remain ...
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Closing Costs: What Are They, And How Much Will You Pay?
June 14, 2023 | Posted by: Troy Hernandez
Closing Costs: What Are They, And How Much Will You Pay? Your down payment isn't all you need to bring to the closing table when you buy a home. Closing costs are expenses beyond the down payment, ...
read moreHow Much House Can I Afford?
June 10, 2023 | Posted by: Troy Hernandez
Introduction Hey there! Have you ever wondered how much house you can afford? Well, it's an important question to ask before making any big decisions. In this article, we're going to dive into a si ...
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First-Time Home Buyer Budgeting: What You Need to Know
April 20, 2023 | Posted by: Troy Hernandez
As a first-time home buyer, budgeting is an essential part of the home buying process. By carefully planning your finances and considering all of the costs associated with purchasing a home, you can e ...
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Decisions Regarding Monetary Policy Implementation Issued March 22, 2023
March 22, 2023 | Posted by: Troy Hernandez
The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its statement on March 22, 2023: • ...
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Selling Your Home in the Winter: How You Can Make the Most of It
March 5, 2023 | Posted by: Troy Hernandez
Selling your home in the winter can be a challenging task, but it can also be an opportunity to stand out in a crowded market. With fewer houses on the market and motivated buyers who are eager to mov ...
read moreNew Home Sales Hit 10-Month High, Despite Some Regional Decline
February 27, 2023 | Posted by: Troy Hernandez
New home sales edged a little further out of a lengthy slump in January, topping 600,000 units for the second straight month. The U.S. Census Bureau and the Department of Housing and Urban Development ...
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Weekly mortgage demand jumps 7% as interest rates drop to lowest level since September
February 27, 2023 | Posted by: Troy Hernandez
Mortgage interest rates fell for the third straight week, while mortgage demand also rose again. Total application volume increased 7% last week compared with the previous week, according to the Mo ...
read moreShould You Spend the Full Mortgage Amount You're Approved For?
December 28, 2022 | Posted by: Troy Hernandez
Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for may not ...
read moreFed raises interest rates again, hints at smaller increases ahead
November 2, 2022 | Posted by: Troy Hernandez
Recent indicators point to modest growth in spending and production. Job gains have been robust in recent months, and the unemployment rate has remained low. Inflation remains elevated, reflecting sup ...
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Best Ways to Plan for Your Down Payment
October 19, 2022 | Posted by: Troy Hernandez
Best Ways to Plan for Your Down Payment Do mortgages seem unaffordable? These tips will help you plan for your down payment so you can start talking to a private lender mortgage broker in no time. ...
read moreDecisions Regarding Monetary Policy Implementation Issued September 21, 2022
September 21, 2022 | Posted by: Troy Hernandez
The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its statement on September 21, 2022: •& ...
read moreHow Mortgage Rates Affect Buying Power?
September 16, 2022 | Posted by: Troy Hernandez
How Mortgage Rates Affect Buying Power? Do You Know How Your Mortgage Rate Affects Buying Power? To maximize your purchasing power, you should understand how interest rates impact your home buying p ...
read moreShould You Pay Off Your Mortgage Early?
August 24, 2022 | Posted by: Troy Hernandez
It's a dream to be able to pay off your mortgage early, but is there a downside? While it sounds like a great idea, there are some factors to consider before doing so. This article will explore some o ...
read moreImplementation Note issued June 15, 2022
June 15, 2022 | Posted by: Troy Hernandez
Decisions Regarding Monetary Policy Implementation The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its ...
read moreHow a Mortgage Pre-Approval Can Protect You from Rising Rates
May 26, 2022 | Posted by: Troy Hernandez
With interest rates rising, it's important to lock in a lower rate as soon as possible. You can do this with the right home mortgage pre-approval. Find out how! Do you plan on searching for and buy ...
read moreDecisions Regarding Monetary Policy Implementation issued May 4, 2022
May 5, 2022 | Posted by: Troy Hernandez
Decisions Regarding Monetary Policy Implementation The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its s ...
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How is a Private Mortgage Different Than a Traditional Bank Mortgage
May 4, 2022 | Posted by: Troy Hernandez
Understanding the difference between private mortgages and traditional bank mortgages can help you make the best decision for financing a new home. Each option provides the money to secure real estate ...
read moreImplementation Note issued March 16, 2022
March 16, 2022 | Posted by: Roar Solutions
Decisions Regarding Monetary Policy Implementation The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its ...
read moreImplementation Note issued January 26, 2022
January 26, 2022 | Posted by: Troy Hernandez
Decisions Regarding Monetary Policy Implementation The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its ...
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Top 10 Questions to Ask Your Mortgage Broker in California
January 19, 2022 | Posted by: Troy Hernandez
Top 10 Questions to Ask Your Mortgage Broker The mortgage world can sometimes be difficult to navigate when buying a home. However, an experienced Mortgage Broker can help walk you through the proces ...
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How Much of A Mortgage Can You Afford?
January 5, 2022 | Posted by: Troy Hernandez
How Much of a Mortgage Can You Afford? Mortgage Application: How Much of A Mortgage Can You Afford? The mortgage application process involves a buyer's due diligence in calculating how much mortgage ...
read moreDecisions Regarding Monetary Policy Implementation issued December 15, 2021
December 15, 2021 | Posted by: Troy Hernandez
The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its statement on December 15, 2021: • The Board of ...
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Prequalification and Pre-Approval—What is the Difference? Home Buying in California
December 15, 2021 | Posted by: Troy Hernandez
What is the Difference Between Pre-Qualification and Pre-Approval? Prequalification and Pre-Approval-What is the Difference? Prequalification is a basic review of the borrower's information to deter ...
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What to do if You Are Denied a Mortgage
November 24, 2021 | Posted by: Troy Hernandez
What to do if You Are Denied a Mortgage Main reasons Why your mortgage application is Denied and What to do If Mortgage lenders reject Yours Mortgage lenders often reject loan application requests f ...
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How to Know if it's Time to Refinance
November 3, 2021 | Posted by: Troy Hernandez
How to Know if it's Time to Refinance According to mortgage advisors, mortgage refinancing is one of the ways to make and save money from your home loan. When done right mortgage refinancing benefits ...
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What Is Home Equity and How Can I Build It?
October 6, 2021 | Posted by: Troy Hernandez
Home equity is an essential asset for creating wealth and income. Learn how home equity is calculated, why it's important, and five steps you can take to build it. As you make monthly mortgage paymen ...
read moreDecisions Regarding Monetary Policy Implementation issued September 23, 2021
September 23, 2021 | Posted by: Troy Hernandez
The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its statement on September 22, 2021: • The Board of ...
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Getting a Mortgage as a Student
August 18, 2021 | Posted by: Troy Hernandez
Purchasing a home is most likely one of the most sizable purchases most of us will ever make, and finally, buying a home is a dream come true for most. For students, it may seem like this dream is fo ...
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What Happens if You Lose Your Job Before Closing?
August 4, 2021 | Posted by: Troy Hernandez
A job loss a few days or weeks prior to closing your home purchase can be distressing; especially when you have no alternative source of income. Getting a new job can ease the situation, but it's not ...
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Decisions Regarding Monetary Policy Implementation issued July 28, 2021
July 28, 2021 | Posted by: Troy Hernandez
The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its statement on July 28, 2021: • The Board of Govern ...
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How a Funding Condition Can Secure Purchasers From Financial and Legal Penalties in California
July 21, 2021 | Posted by: Troy Hernandez
When you make a deal to buy a home, in addition to thinking about how much money to provide, you likewise need to think about any conditions that you want to include. Some common conditions deal with ...
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Risks of Putting Down a Firm Offer with a Pre-Approval California
July 7, 2021 | Posted by: Troy Hernandez
Risks of Putting Down a Firm Offer with a Pre-Approval Today, the real estate market is competitive and homebuyers need all the help they can get to secure their home at the right price. Once you fin ...
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Decisions Regarding Monetary Policy Implementation issued April 28, 2021
April 28, 2021 | Posted by: Troy Hernandez
The Federal Reserve has made the following decisions to implement the monetary policy stance announced by the Federal Open Market Committee in its statement on April 28, 2021: • The Board of Gov ...
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