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debt to income ratio DTI

Debt to Income Ratio | Mortgage Process Explained

When underwriting a mortgage, lenders try to understand whether or not you’ll be able to afford your new mortgage payment. They care more about your monthly debt payments than they do your total amount of debt. To understand your ability to repay your debt, lenders will check your debt-to-income ratio. Debt-to-income ratio defined Also known […]

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cash to close

Cash to Close | Mortgage Process Explained

When it comes to saving for a home most people focus on saving for a down payment. While your down payment is a big part of determining your home affordability, it’s not the only component. Between closing costs, fees & taxes you can expect to pay an additional 2-5% of your home price at the […]

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Underwriting Your Property | Mortgage Process Explained

The type of property you choose can affect your home affordability, the interest rate you qualify for, and what loan products are available to you as a borrower. Underwriting the property is just as important and underwriting the borrower applying for a home loan. When trying to understand if a property is the right fit […]

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Home appraisal process

Home Appraisal | Mortgage Process Explained

After you give the lender your intent to proceed they’ll order your home appraisal. This is a critical (and potentially frustrating) step in the home buying process. Let’s break down the entire home appraisal process, why it matters for the mortgage lender, and what it means for the home buyer and seller.

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how to make an offer on a home

How to put an offer on a house

Maybe you fell in love with the first home you saw. Maybe it took you months, but your patience was rewarded with a beautiful house that hit all the sweet spots. However long it took, you’ve now reached the moment of truth – you’re ready to make an offer on a house. You knew this […]

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Pre-qualify vs Pre-approval: What’s the difference?

Before you start looking for a home in earnest, though, you should get pre-qualified for a loan. Ideally you’ll get pre-approved. To do that, you’re going to need to talk to a loan officer. What’s the difference between a pre-qualification letter and a pre-approval letter? And how can you find a good mortgage lender or […]

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am i ready to buy a home

Am I ready to buy a house?

Each homebuyer is different, and the next wave of first time home buyers has the potential to throw the mortgage banks for a loop. With hoardes of freelancers & contractors marching towards self-employment, or companies like Uber, Udemy, and AirBnB offering new, unprecedented ways to make money, income streams are less consistent and more diversified. […]

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how does a mortgage work

How does a mortgage work?

If you’re going to have a mortgage, it’s probably a good idea to understand what, exactly, that is. If you learn a little bit about the history of mortgages, not only will you come to appreciate the process, but you’ll look super smart in front of your friends at your housewarming party. What is a […]

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home Maintenance checklist

Home Maintenance Checklist

Your home is your biggest and most important investment. So, why wouldn’t you take proper care of it? Just like a car needs regular oil changes, keeping up with home maintenance tasks is a must. It is much easier to do your chores every now and then instead of having to pay for big repairs. […]

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first apartment checklist

First Apartment Checklist – 140+ necessities and essentials for your new apartment

The time has finally come – you are officially an adult and about to live in your own apartment for the first time ever. While you’re probably thinking about all the beautiful decorations you’re going to buy, there is something else you need to do first. You will have to buy some basic goods you […]

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