Keep Good Credit After Your Home Purchase

You knows how important it is to have a strong credit score when you’re buying a house. Keeping your credit score good after you’ve purchased is just as critical because if you let your score drop after you close escrow, you will see a negative impact you in a few important ways. Refinancing If rates drop after you’ve moved in or you didn’t get the greatest rate to begin with, refinancing might be your answer since it can save you money every month and over the life of your loan. If your credit score has gone up since you purchased, which often happens after a mortgage ...

August 31st, 2017 Keep Good Credit After Your Home Purchase

Our Weekly Mortgage Market Commentary

The page you are looking for no longer exists. Perhaps you can return back to the site's homepage and see if you can find what you are looking for. Or, you can try finding it by using the search form below.Pages:About Contact Us Privacy Policy Categories: Finance For Fun Holidays Home Ownership Real Estate Sunbelt Lending Authors:PHH Home Loans (225)Monthly: August 2017 July 2017 June 2017 May 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 September 2016 August 2016 July 2016 June 2016 May 2016 April 2016 March 2016 Re...

August 28th, 2017 Our Weekly Mortgage Market Commentary

Consider Total Costs When Mortgage Rates Rise

Price is only one cost related to buying a home. Unless you are paying all cash for your home, you’ll need a mortgage loan. Rates are going up, and the terms of your mortgage loan will impact how much your home costs on a monthly basis as well as how much you pay in interest over the life of the loan. There are a number of things that impact the interest rate including the kind of loan you are getting such as FHA, jumbo or conventional, whether your rate is fixed or adjustable, how good your credit scores are, and how much money you are putting down so that the lender can lend you less ...

August 24th, 2017 Consider Total Costs When Mortgage Rates Rise

Our Weekly Mortgage Market Commentary

This week brings us the release of only three pieces of economic data that may influence mortgage rates in addition to the annual Jackson Hole Fed conference. There is nothing of importance set for Monday or Tuesday, but there is at least one event or report scheduled every other day of the week. Only one of the reports can be considered very important. As a result, it is likely that we will see the most movement in rates later in the week. July’s New Home Sales data is the first report of the week, coming Wednesday morning at 10:00 AM ET. This report will give us an indication of housin...

August 21st, 2017 Our Weekly Mortgage Market Commentary

Don’t Miss These Homeowner Tax Benefits

One of the most useful yet widely misunderstood benefits of homeownership is tax deductions. Tax deductions are a welcome gift from the government, but if you’re renting, they benefit your landlord, not you. Property tax deduction: Any money you paid during the year you purchase and in the years afterward to local state, county and city property tax assessors is tax deductible. Mortgage interest deduction: Your mortgage interest on both first and second liens is tax deductible. Any points you paid to obtain a lower interest rate are deductible. Private mortgage insurance payments are als...

August 17th, 2017 Don’t Miss These Homeowner Tax Benefits

If It Isn’t Broken...a Home Warranty Can Prepare for When It Is

You have been on both sides of a sale that required a home warranty as a condition of the deal moving forward. Typically, the focus is on the visible "big ticket" items that come up in an inspection: an older water heater, furnace or central air conditioning system that is/are nearing the end of its/their useful lifespan. But a home warranty covers so much more - and advising buyers on how they work and the benefits of continuing their coverage beyond the typical one year paid for by a seller is a value-added service in your favor. One policy to protect them all Heating, cooling, plumbing, ele...

August 16th, 2017 If It Isn’t Broken...a Home Warranty Can Prepare for When It Is

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