Home Purchase Home Purchase Executing Your Mortgage and the Power of a Pre-Approval Letter! Dream Home! If this is your first mortgage, be prepared for anything. Most of the time, mortgages run through the process without a hitch, but on occasion, there can be a hiccup or two. When you use a professional mortgage advisor, there will be less of a chance for a glitch, and if it does happen, many times the advisor is able to smooth out the wrinkle without even letting you know. Home Refinance Home Refinance Important Reasons to Refinance Your Current Mortgage Why Refi? Lower Monthly Payment. The first reason to refinance your mortgage is the most obvious one, but it’s still worth mentioning. A refinance could help you save money each month. Who doesn’t need extra money? If you are lowering your interest rate, your monthly payment can only go down. Change the Term of Your Loan. When many people first take out their mortgage, they are in one pay scale. A few years down the road, it iscommon for people to be in a different monthly income level. Debt Consolidation Debt Consolidation Manage Your Debt With a Debt Consolidation Home Equity Loan Lower Your Payments If you are like most people, you have more than just one debt. Your debt may include credit cards with high interest rates, a personal or automobile loan, and a mortgage. You may be forced to borrow from one source in order to pay off another, which only adds an additional debt to your load. What’s the solution? Debt consolidation with a mortgage loan could be your answer. Five Home Improvements Under $100 The road to selling your home can be a long and winding one, filled with many detours. Some of those may include making home improvements to increase the value of your home. But where should you spend your money in order to be cost effective and get the best return […] Welcome to this week’s Mortgage Moment brought to you by Mortgage Springs Are You Leaving Money on the Table? Let me ask you a simplequestion. If you were shopping for your next car, would you go to just one dealer? If you were buying a plane ticket, would you just call up one airline? If you […] Making Your Dream Home a Reality You’ve seen them, but you can’t picture yourself living in a tract home. The suburbs are full of them, but they’re so “cookie cutter” they all seem to blend together. You want your dream home, something unique that stands out from the crowd. You found the perfect plot of […] Welcome to this week’s Mortgage Moment brought to you by Mortgage Springs What’s a Home Buyer To Do? There are things you need to do before you’re ready to buy a house, and a typical time frame within which to do them. In this article we will talk about things that need to be done […] Welcome to this week’s Mortgage Moment brought to you by Mortgage Springs No Credit History? So you want to buy a house, but you have no credit history. What to do? Believe it or not, there are many reasons why a person might not have acredit history. Perhaps your parents taught you to pay cash […] Welcome to this week’s Mortgage Moment brought to you by Mortgage Springs Balloon Payment Loans What do you think of when you hear the words “Balloon Payment”? For most people, alarms begin to sound! In order to understand what the term means, you first need to understand amortization. Amortization is what happens when the entire amount […] Welcome to this week’s Mortgage Moment brought to you by Mortgage Springs Doing The Right Thing Doing what is right is not always the same as doing what is easy. At the end of the day, however, doing the right thing every time is the only way to avoid regrets. When you make doing the […] Welcome to this week’s Mortgage Moment brought to you by Mortgage Springs Good Credit After Bankruptcy The bankruptcy experience can be a very traumatic one. You may be wondering if there is any hope of ever having good credit again. The good news is that you can indeed establish good credit afterbankruptcy. Not a […] Welcome to this week’s Mortgage Moment brought to you by Mortgage Springs Protect Your Credit Score You will soon realize just how vital your credit score is once you begin the hunt for a home loan. In order to get the best interest rate and terms possible, you need to protect your credit score by any means possible. […] Welcome to this week’s Mortgage Moment brought to you by Mortgage Springs Tax Advantages of Home Ownership The cost of living can be overwhelming, especially if you rent rather than own your own home. If your monthly rent is $1,000, over the course of three years you will have expended $36,000 toward someone else’s mortgage. […]