Many borrowers believe that the most important question when buying a home is “Where should we live?” In reality, this is one of the last questions that borrowers should ask. One of the most important questions borrowers need to ask … Read More

A 15 year mortgage is best suitable for homeowners who are willing to own a house in half the time and are ready to opt for a faster track of repayment when compared to a 30 year mortgage. The accelerated … Read More

The USDA, or the United States Department of Agriculture, helps families around the country get into low-cost insured homes. Many times those who are interested in taking out a USDA mortgage loan have zero down. These loans have many benefits … Read More

An adjustable rate mortgage or ARM for short is a mortgage that will have a fluctuating payment. There are still a number of ARM loans being done in the state of Utah; 3/1, 5/1, 7/1 adjustable rate mortgages are available … Read More

Many borrowers have used equity lines of credit in the past in order to take cash out of their equity to make home improvements or pay unexpected bills. With falling home values homeowners are losing confidence in this option, and … Read More

These days credit is everything, and without good credit a mortgage loan can be tough to qualify for. Mortgages and credit scores go hand in hand, and not only do they help you get an approval, but they can help … Read More

There are many consumers that talk about not wanting to pay points, but many of them are not sure what “points” really are. When something sounds bad, nobody wants it and that includes paying for something that they aren’t aware … Read More

When refinancing or buying a home, everyone wants to get the absolute lowest rate they qualify for. Rates change daily, so with that in mind how does anyone know when the best time is to lock in their interest rate? … Read More