Learning Center

Some Mortgage Terms You Should Absolutely Know

Many people can't speak "mortgage" language and it can hurt them when they are working on their next loan. Here are 20 terms that you are sure to hear and should know like you know your name. 

My Loan Was Sold? How Does This Effect me?

Many mortgage notes are sold from one lender to another. Most of the time this will not have any effect on your terms, but there is some information you should know. 

Mortgage Blues; Dealing With Loan Rejection

Unfortunately, sometimes people are not accepted for their loans. In these cases, here is some helpful advice on how to deal with it and move on towards the future. 

How to Read a FICO Report

Know how to read your credit report and you will know how to recognize any problems that may come up when getting your next loan. 

Some Helpful Information when Buying Homeowner's Insurance

Homeowner's insurance is a requirement on any mortgage or home purchase. Know the facts before choosing your provider and get the best deal and protection possible. 

Nickles & Dimes: The Hidden Cost of Buying

When making a purchase, there are many miscellaneous costs involved. Learn about which to look out for in this article. 

Some Points... About Interest Rates

This article can help you get a better understanding of how interest rates work and how they will affect your next mortgage. 

Preparing For Your Next Home Closing

Whether you are the buyer or the seller, this checklist can help you best prepare for your next home closing. 

How Lenders Determine Income on a Mortgage Application

Many people don't know how their income will be determined for the purposes of the mortgage application. This is an important piece of knowledge which you can gain by reading this article. 

Common Traps that Buyers Face in the Housing and Mortgage Market

While housing prices may make this a "buyers market", that doesn't mean that buyers don't face problems of their own. Learn about the most common traps buyers face in this article. 

How to Avoid the Most Common Mistakes in a Refinance

Refinancing a loan can be the best decision you make when it comes to your finances. But it can also be a disaster unless you avoid these common mistakes. 

What to Know Before You Buy Your Next Property

Don't go into your next purchase blindly. Know what to look for and then be on the lookout. 

The Most Common Reasons To Buy A Home in Jacksonville, Florida

Buying a home is a choice that many people make for very similar reasons. Those that haven't owned before, may not know what they are missing. See why, here. 

Important Things to Ask Yourself if You Are Thinking of a Shorter Term Mortgage

Debating taking on a shorter term mortgage? There are questions you should ask yourself before making that choice. 

Mistakes Nobody Should Make on their Next Mortgage Loan

Don't make mistakes that are easy enough to avoid. Take a minute and learn about the common ones here. 

How To Increase Your Credit Score in Days, Not Years

Having problems with a low credit score? This article discusses re-scoring in a way that most don't know about. 

Essential Questions To Ask Your Loan Officer When Applying for a Mortgage

Read these quick questions and be sure that you are getting all the answers from your loan officer. 

Understanding the Risks of Specialty Lending Programs

Learn the risks involved with Interest only loans, negative amortization loans, and many more specialty lending programs available in the current market. 

Mortgage Terms

This is a helpful list for the first time home buyer. Your loan officer will also be happy to explain any terms you do not understand.  

First Time Home Buyers

Purchasing a home for the first time can be very stressful if you don't know what to expect. Use these helpful tips to guide you.  

The Real Estate Market

Tips on how to predict market trends in real estate.  

Energy Efficient Appliances

These tips will help you choose the right appliances for your new home.  

Kitchen Remodeling

Use these helpful hints if you are thinking about remodeling your kitchen. 

Tips on Increasing the Value of your Home

Helpful hints to increase the value of your home at appraisal time.  

More Tips on Improving your Homes Appearance

A few more helpful hints to increase your homes value.  

Backyard Safety

Important information on keeping your children safe on your backyard playground.  

Save $ on Electricity

Helpful information on how to save $ on electricity during the summer months.  

Theft Protection

Important tips on keeping unwanted guests out of your home.  

Benefits of Home Ownership

Home ownership is often called the "American Dream" because of the pride that comes with owning a place you can personalize and call your own. 

Negative Amortization (Deferred Interest)

Negative amortization, or "deferred interest," describes loans that have payment adjustment caps in addition to interest rate adjustment caps. What does this mean?