Sometimes I tend to skip past the seemingly basic mortgage questions, assuming everyone already knows the simple stuff. Unfortunately, that’s not the case, and what...

If you want to refinance your home loan or purchase a home with a mortgage, you will be required to fill out a loan application and sign a set of disclosures to...

The “debt-to-income ratio” or “DTI ratio” as it’s known in the mortgage industry, is the way a bank or lender determines what you can afford in the...

Wondering when the best time to buy a home is? And the worst time? Well, thanks to data science, we no longer have to guess whether it’s fall and winter, or spring and...

When applying for a mortgage, a mortgage broker or lender will likely inquire about your assets, and more specifically, your liquid assets. They’ll want to know...

Mortgage Q&A: “Are mortgage points worth it?” When taking out a mortgage, whether for a new home purchase or to refinance an existing loan, one decision...

Mortgage Q&A: “Are closing costs included in a mortgage?” There seems to be a great deal of confusion when it comes to closing costs and mortgages, so...

These days, it’s a lot harder to find “mortgages with no money down,” though not entirely impossible. Thanks to the devastating financial crisis that took...

Mortgage Q&A: “What mortgage term is best?” Before you set out to snag the lowest rate on your home purchase loan or mortgage refinance, you’ll need...

Mortgage Q&A: “What is the easiest type of mortgage to get?” Relative to other types of loans, it can be difficult to get approved for a mortgage. After all,...

Mortgage Definition The word “mortgage” is French in origin And literally means death pledge in their native language Yet the French use a different word for...

A “VA loan” is a government mortgage guaranteed by the Veterans Administration. The loan program was created in 1944 and signed into law by President...