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Whatever your purpose, the right loan is waiting for you. Apply online today to contact an expert about your loan.

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What size house can you afford? – Consider Debt vs. Income When Determining how much house a potential buyer can afford, mortgage brokers consider your debt vs. income ratio. This ratio is composed of your gross income divided by the amount you pay monthly for debts. For example if your ratio is something like, 25/45. Twenty-five percent of your monthly income is used to pay for housing. 45% of your monthly income contributes to paying down debt every month. This ratio alone does not determine your top loan amount however. Other factors include down payment size and credit history. As a general rule of thumb, FHA loans require a 29/41 ratio or better.

Whether you are trying to buy a house, a new car or simply make some repairs to your home, there is a loan that suits your needs. Finding that loan can help you complete your goals and with interest rates at an all time low, now may be the time for you begin the search. Fill out our free short form and contact up to four lenders about you loans choice.

For each one of these reasons there is a loan that fits your credit, income and purpose. For example:

  • If you are purchasing a new car a home equity loan may be your best option. A home equity loan generally has a low interest rate because it is secured by your home, and when you borrow against your equity there is less risk because your equity is something that you already own; it is the part of your house that you own and is not covered by the mortgage. For example, if your home is worth $180,000 and your mortgage is $100,000, you have $80,000 in equity. Many lenders will allow you to borrow anywhere from 85 to 100% of this amount, allowing the funds to purchase a luxury car without having to pay steep interest or monthly payments.
  • If you are interested in making a serious of home improvements a home equity line of credit may be best for you. A home equity line of credit gives you what is essentially a credit card account with an amount based on your equity. Over a draw period of five to ten years, you may take as much or as little as you need to cover improvements. This loan is good in this situation because it requires you to only pay interest on the money that you have drawn and not the total amount available, so if you take the bulk of the money in the last year, you will not have to pay interest on the bulk until that point. Also, if the estimates for your home improvement were off, as they sometimes are, you can take more or less depending on the situation.
  • If you are buying a home a fixed rate mortgage would be best for you as you would need a large amount in advance to purchase the home. A fixed rate would give you the security of knowing what the monthly payment of your loan will be for the life of the loan.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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  Home Lending Resources
Loans are awarded based on your income, the size of your debts and your history with repaying debts in the past. If you are looking to buy a home there are special programs available to help you come up with money for a down payment… A debt consolidation loan can bring your finances into perspective by lowering your monthly payments and getting you cash out for immediate purchases. Take advantage of today’s rates to reduce your interest payments every month… Mortgage brokers operate to take the pain out of applying for a loan with a bank. More than just paper pushers however, they can often times get you a better rate because of their history with lending institutions. Apply online to get up to four competitive quotes…
Mortgages advice is what all rely on to ensure that we are getting the best rates and loans for our needs. Knowing the basics can help us to at least tell good advice from nonsense advice when looking for a mortgage… An online mortgage lender serves as a buffer between you and a mortgage lender who actually finances the loan. A mortgage broker can help you get a better rate through a lender and uncomplicate the loan process…

VA Loans are funded by a conventional lender and insured by the Veterans Administration to allow for smaller down payments and lower interest rates. All that is necessary is a certificate of eligibility from federal government to qualify…

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