Buying a home is one of the biggest and most complicated purchases you will ever make, but that doesn’t mean you need a large down payment to do so. It is a common belief that you need to put 20% down to buy a home, however this isn’t the case. The truth is, there are […]
Unsure of what an APR is? Can’t see the difference between an APR and an interest rate? These are important terms to understand, as they are key components of the mortgage process. First off, lets discuss what an APR is, and why it is important to the mortgage process. An APR can best be defined […]
Are you struggling with your credit score? Trying everything under the sun to raise that score but don’t see any progression? Here is some information on how to get that score up, and what lenders typically look for. In general, most lenders are looking for credit scores of 620 or higher for someone to get […]
What is a Home Equity Line? What are the pros and cons of a Home Equity Line versus a cash out refinance? Some of the pros for doing an Equity Line would be if you only need the money for a short-term basis. In addition to that, it is very quick, and there is hardly […]
One of the biggest myths within the mortgage industry is that you cannot get an FHA loan if you have owned a home in the last three years. However, that is not true. Even if you own a home right now and are selling that home in order to buy a new one, you can […]
What is a clean energy assessment, and what pros and cons are associated with it? Is it better to use a clean energy assessment or a home equity line of credit? A person that is doing a clean energy assessment loan is looking to do improvements like windows, doors, roofs, and other things that help […]
Are you worried you may not be able to get the home you desire because your credit is lacking? Not to worry, there are many options out there that give you the opportunity to still purchase the house you want. It is a common misconception within the mortgage industry that you must have a good […]
Here are a few tips on how to improve your credit. There are many ways to improve credit score. You can start by keeping balances low on credit cards. Another way to start is to pay off debt rather than moving it around. Set up reminders to make your payments on time. Do not open […]
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What Is An APR?
Unsure of what an APR is? Can’t see the difference …
Shopping Around for Closing Costs
Can you shop around when it comes to getting a …
Reasons to use a Mortgage Broker Instead of a Retail Loan Officer
At the Truth About Lending, we are licensed mortgage brokers …
What To Expect When Buying Buying a house is a very tedious process, and you need a reliable team to guide you through this process. There are several benefits to using us, and we will always tell you The Truth About Lending.
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