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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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Loans are an inescapable reality of our economy. Only getting the best rates you can will save you over the long run. Working with a qualified professional you can help will best represent your interests to the bank and get you lower loan rates… Interest calculators are a free tool you can find on our website that will help you to understand the dynamics of a thirty year home loan much better. In addition to estimating your monthly payments on a new loan you can also analyse the interest paid over the life of the loan… A mortgage calculator is an easy way to estimate your monthly payments on a loan while you are shopping around for a good rate. Our calculators are free and can provide three different types of calculations…
Shopping around for a mortgage requires all of the mortgages advice one can get. Expo Financial can supply you with as many as four mortgage quotes from competing brokers so you can simply pick the best offer as they compete for your business… Current mortgage rates are almost as interesting as the trends that they show. Knowing where rates are going can help you decide whether or not now is the right time to invest your money. Rates vary greatly across geographic regions and lenders…

Mangeable monthly payments are the key to a happy mortgage. If you are looking for a loan try one of our loan calculators to estimate your future monthly mortgage payments. Find a reasonable loan amount and interest rate and save the results…

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