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How Do Mortgage Points Cut Your Interest Costs?

May 14, 2024 by Kay Monigold

Those who are involved in the real estate industry likely know that mortgage rates are at an all-time low. At the same time, nobody wants to pay more for a house than they have to. Some of the most important factors that dictate how much someone is going to pay for a house include points and interest rates.

Filed Under: Mortgage Tagged With: Interest Rates, Mortgage, Mortgage Points

What’s Ahead For Mortgage Rates This Week – May 13th, 2024

May 13, 2024 by Kay Monigold

An extremely light week following the FOMC, with the only note-worthy reporting being the Consumer Sentiment reports from the University of Michigan, which gives a long term outlook of the consumer on the economy. The report has come in well under expectations, much more so than any previous release in the last 6 months. This is largely due to the increase in the cost of living for every sector.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

Understanding the Vital Role of Homeowners Insurance in Mortgage Agreements

May 10, 2024 by Kay Monigold

Owning a home is a dream for many, representing a significant milestone and a considerable financial investment. However, along with the excitement of homeownership comes a set of responsibilities and financial commitments. One of the most crucial aspects of safeguarding your investment is securing homeowners insurance.

Filed Under: Mortgage Tips Tagged With: Homeowners Insurance, Mortgage, Protection

The 5 C’s of Mortgage Underwriting

May 9, 2024 by Kay Monigold

Buying a home is one of the most significant financial decisions most of us will ever make. It's a journey filled with excitement, anticipation, and sometimes, a touch of anxiety. Among the many steps involved in this process, understanding mortgage underwriting is crucial. To demystify this complex process, let's delve into the 5 C's of mortgage underwriting.

Filed Under: Mortgage Application Tagged With: Application Approval, Mortgage, Underwriting

APR vs. Interest Rates

May 8, 2024 by Kay Monigold

If you're gearing up to dive into the world of real estate, there are a few key terms you'll want to wrap your head around before taking the plunge. Today, we're demystifying APR and interest rate, two crucial concepts that can impact your home-buying journey. Don't worry, I'll break it down in simple terms so you can confidently navigate the process like a pro.

Filed Under: Home Mortgages Tagged With: APR, Interest Rates, Mortgage

Deciding Between 30-Year vs. 20-Year Mortgages: Which Is the Right Fit for You?

May 7, 2024 by Kay Monigold

Are you in the market for a new home? One of the most crucial decisions you'll face is choosing the right mortgage term. With options like 30-year and 20-year mortgages available, it's essential to weigh the pros and cons to make an informed decision that suits your financial goals.

Filed Under: Mortgage Rates Tagged With: 20 Year Mortgage, 30 Year Mortgage, Mortgage

What’s Ahead For Mortgage Rates This Week – May 6th, 2024

May 6, 2024 by Kay Monigold

With the passing of the Federal Open Market Committee rate decision panel, we now have definitively confirmed that the Federal Reserve intends to keep the rates at a two-decade high, for the sixth straight meeting by a unanimous vote.

Filed Under: Financial Reports Tagged With: Financial Report, Jobless Claims, Mortgage Rates

What Every Homeowner Should Know About Mortgage Forbearance

May 3, 2024 by Kay Monigold

With all of the economic uncertainties, many homeowners find themselves facing financial hardships that impact their ability to meet mortgage payments.

Filed Under: Mortgage Tips Tagged With: Finance Options, Forbearance, Mortgage

Mortgage Tips for Empty Nesters: Downsizing and Relocating

May 2, 2024 by Kay Monigold

So you are soon to be an empty nester! With the kids flown from the nest, it's your time to welcome a new chapter of freedom and flexibility. Whether you're looking to downsize to a cozier space or relocate to your dream destination, navigating the mortgage landscape can seem overwhelming.

Filed Under: Homebuyer Tips Tagged With: Downsizing, Empty Nesters, Mortgage

The Role of a Co-Signer in Mortgage Applications: Pros, Cons, and Alternatives

May 1, 2024 by Kay Monigold

Are you dreaming of owning your own home but facing obstacles in securing a mortgage? You're not alone. Many aspiring homeowners encounter challenges due to factors like credit history, income, or debt-to-income ratio. There is a potential solution that could help you achieve your homeownership goals: a cosigner.

Filed Under: Mortgage Application Tagged With: Co-Signer, Mortgage, Mortgage Approval

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Our Team

Kay MonigoldKay Monigold
Owner/Mortgage Broker/Residential Mortgage Loan Originator
NMLS#1086176

Steven LoweSteven P Lowe, Sr
Residential Mortgage Loan Originator
NMLS #1085638

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