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Nov 12, 2019
Thinking of a ReFi and wondering how Mortgage Rates work? Well, there are seven variables that work towards determining Mortgage Rates. Let’s hone-in to learn more about sculpting Mortgage Rates.
Current Market Trends: How the market is doing can determine the baseline for Mortgage Rates. Rates can fluctuate from day-to-day depending on changes in the Market- causing a lack of control over ...
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Mar 8, 2018
Buying a Home / Learning Center / Home Ownership / Home Purchase Tips / Mortgage Basics / Financial Tips / Loan Options / Rent vs Buy / Refinance / Discount Offers
Purchasing your first home can be an exciting but stressful time, especially when every dollar counts.
In most instances, the fear of prospective homeowners involves what they don't know regarding the financing and purchasing process.
Even if you think there may be programs designed to assist you, finding and navigating them can feel like an exercise in futility.
It may be easy for someone to t...
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Feb 21, 2018
Learning Center / Home Ownership / Home Purchase Tips / Financial Tips / Buying a Home / Mortgage / Rent vs Buy / Refinance / Discount Offers
A home is often the biggest single purchase that a person makes in his or her lifetime.
The United States census recently placed the average sales price of a new home at nearly $400,000, and the median value of a residential property is currently calculated at $218,000.
The total price range is much larger and can reach well into the millions in some markets.
Considering the size of this expens...
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Jan 31, 2018
Are you ready to buy a house but not sure how much you can afford?
Don’t start house shopping without a set budget – it can lead to frustration and wasted time.
To know what’s in your price range and shop smart, you need a mortgage pre-approval letter.
What’s a Mortgage Pre-approval?
The pre-approval is a letter that proves a bank or lender vetted your credit and you’re eligible for a home mor...
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Jan 16, 2018
Learning Center / Buying a Home / Home Purchase Tips / Mortgage Basics / Mortgage / Financial Tips / Rent vs Buy
Buying a home is one of the biggest decisions of your life—no pressure!
The good news is that doing your research in advance will pay off for you big time.
In this blog, we’ll go over a few ways that you can save time and money when going through the home purchase process.
How to Save Money When Buying a Home
1. Do the Math on Renting vs. Buying
The “American dream” of homeownership is definit...
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Whether you own a home, starting the home-buying process, or getting your feet wet with knowledge –
We'll keep you up-to-date with relevant posts packed with tips and advice. Our home loan experts bring you engaging and useful posts each week.
© 2020. Get A Rate LLC. All Rights Reserved
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
Rates as of 9/22/20. Recently advertised rates are subject to change without notice. Advertised rates are based on an owner-occupied, single-family, residential properties, a credit score over 760, 75% LTV purchase/rate term, the debt-to-income ratio is less than 36%, and an escrow account for the payment of taxes and insurance.
If LTV > 80%, PMI will be added to your monthly mortgage payment on conventional loans. FHA Loans will always have upfront MIP as well as annual MIP added. Military/VA loans will require a VA Funding Fee unless otherwise exempted.
An advertised rate is not guaranteed and does not constitute an approval. Actual payments will vary based on your individual situation and current rates. Not all applicants will be approved. Minimum credit score requirements apply. The lock period for your rate is 30 days. Fees and charges may apply.
Full documentation, acceptable properties, insurance, and additional underwriting is required. Loans are secured by liens against real property. Terms, conditions, and restrictions apply. NY Loans are arranged through third parties. Lending services may not be available in all areas.
Please remember that we don’t have all your information. Therefore, the rate and payment results you see from this calculator may not reflect your actual situation. Get A Rate offers a wide variety of loan options. You may still qualify for a loan even if your situation doesn’t match our assumptions. To get more accurate and personalized results, please call to talk to one of our mortgage experts.
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.
