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Mortgage Loans

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1. Income You need income. You need to be able to afford the home. But what is acceptable income? Let’s just say that there are two ratios mortgage underwriters look at to qualify you for mortgage payment: First Ratio – The first ratio, top ratio or housing ratio. Basically that means out of all the gross monthly income you make, that no more that X percent of it can go to your housing payment. The housing payment consists of Principle, Interest, Taxes and Insurance. Whether you escrow or…

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You undoubtedly felt a wave of all types of emotions when you found your first home, but if you had to choose just ONE word to describe how you felt, what would that word be?

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When it comes to financing a home a buyer is faced with the decision of what type of loan they want. The two most common choices are FHA or Conventional. Both have their advantages and disadvantage…

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How to qualify for a Kentucky FHA Home Loan ? FHA stands for the Federal Housing Administration which is a government agency created to increase home-ownership across the United States all t…

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Should you payoff your mortgage early or invest? This issue is far more complex than most writers understand. Here's the definitive guide.

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Knowing how a mortgage loan amortization schedule work can help you better understand the true cost of homeownership. Read more...

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Updated for 2021. Discover more about Mortgage Insurance, determine whether it's required, as well as the

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Wondering if it's even possible to get a mortgage when you're self employed? Good news: it's completely doable. Check out these tips form a loan officer.

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