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Nov 26, 2019
Financial Tips / Loan Options / Mortgage Basics / Mortgage / Learning Center / Home Ownership / Buying a Home / Refinance
Perhaps you’ve heard the term “Lock In” regarding Mortgage Interest Rates. It sounds like a big, and perhaps scary, commitment- no? No worries! (And no need to get cold feet.) We’ll explain why Locking In that Mortgage Interest Rate isn’t as big of a step as one may think.
What happens when you lock it in?
Locking In the Mortgage Interest Rate is one of the earlier steps taken when securing a...
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Nov 21, 2019
Thinking of Refinancing? Before a Mortgage Lender will issue you a Mortgage Loan, they need to get an idea of what you can afford. One of the most telling ways for a Lender to get a glimpse of your affordability is by going over the last year or two (depending on the employment or loan type) of Tax Returns as well as other requested Financial Documents (These may include bank statements, pay st...
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Nov 20, 2019
Ah... that pesky Mortgage Insurance- Isn’t there a way to get rid of that extra monthly payment? Good news! There are ways to eliminate that additional Debt. But first, let’s go over what Mortgage Insurance is.
What is Mortgage Insurance?
Mortgage Lenders often require Mortgage Insurance for certain types of loans; This insurance lowers a Mortgage Lenders’ financial risk and enables homeown...
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Nov 19, 2019
Okay… So you’ve been through this before and now you’re doing it again! Although there are steps in the Refinancing process that mirror the original mortgage process, it can be a smoother (and less hair-pulling & screaming) matter. Here are some ways you can ensure that you’ve checked off all the boxes in the Refinancing checklist; so you may close in a stress-less and timely manner.
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Nov 14, 2019
Getting ready for a ReFi? Don't panic! Let us help you get prepared by looking over out Preparing for a ReFi Checklist:
Your $ goals
Why are you Refinancing? Whether it’s to lower your mortgage interest rate, consolidate debt, take cash from your equity, eliminate your monthly mortgage insurance or change the term of your current loan… zeroing-in on your goals will help determine what typ...
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NMLS #907795 Licensed Residential Mortgage Lender in CA, WA, GA, TX, PA, CT, FL, SC and NJ (by the NJ Department of Banking and Insurance). Equal Housing Opportunity Lender. When and if acting as a broker, Get A Rate will not make commitments or fund mortgage loans. Registered NY Mortgage Broker. All NY mortgage loans are arranged with third party lenders - Get A Rate LLC does not directly offer or guarantee NY interest rates or loan programs and does not directly issue commitments or make final decisions on loan terms. Authorized website by the New York State Department of Financial Services.
Get A Rate LLC is an FHA Approved Direct Lending Institution, and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. These programs are not a commitment to lend and program guidelines are subject to change.
Additional Disclosures
If you have any complaints, please reach out to: NJ DOBI, Trenton, NJ. Rates as of 1/26/20. Loans are arranged through third parties. Recent advertised rates are subject to change without notice. Advertised rates are available only on owner-occupied, single-family, residential properties, 80% LTV purchase/rate term. Fees and charges may apply. An advertised rate is not guaranteed and does not constitute an approval. Not all applicants will be approved. Minimum credit score requirements apply. Full documentation, acceptable properties, insurance, and additional underwriting is required. Loans are secured by liens against real property. Terms, conditions, and restrictions apply.
Calculations computed by Get A Rate Rent vs. Buy and Affordability calculators are estimations. Get A Rate is not an accounting firm or financial advisor. Please consult a tax professional and/or financial advisor for more accurate information.
