Getting a mortgage with bad credit. There are many people out there who are searching for homes, but do not have good credit. In this scenario, you may be unaware as to what your options are, or if its even possible for you to get a mortgage. The good news is, even with a low […]
An escrow deposit is the deposit that is required to be made per the terms of the contract. This amount is negotiated with the terms of your offer. This indicates you’re serious about buying their home. Once the deposit is in, the money cannot be touched or moved without a written consent from both the […]
An escrow account is like a savings account that the mortgage company holds for you. It may be required for your loan. When you pay your mortgage payment a portion of the taxes and insurance are paid with your mortgage payment. This helps you allocate a portion of your total housing payment toward your annual […]
The difference between a FHA and Fannie Mae loans are that the FHA insured loan is a loan by The US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by a approved lender. These loans are designed for the borrowers who are unable to make a large down payment. Also, the FHA […]
A debt to income ratio is a way for mortgage lenders to measure an individual’s ability to handle monthly payments. Every loan has a certain debt to income ratio that you cannot exceed. The banks use this figure as a guide to determine how much of your income goes towards expenses. To calculate your debt […]
If you would like to find out if a condo is on the Fannie Mae approved list, please click here. Join our Facebook group at facebook.com/groups/ttalending/ to hear the TRUTH about lending.
If you are looking for down payment assistance programs, here is an updated list for South Florida. Keep in mind some of these programs require you to go with designated approved lender, and that may not be us. We are The Truth About Lending, and we put consumer advocacy first! Down Payment Assistance Programs Florida […]
Thank you to all our valued clients for trusting us with your financing needs for the last 20 years. It is an honor to be a part of your lives. We will continue to strive to be the most honest and ethical mortgage company in the country. Consumer advocacy will always be our number one […]
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