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Honey, I Shrunk The Mortgage Interest Deduction - Plan 1
The political landscape this year has been nothing but ugly. It promises to come to full boil with the proposed tax reform eliminating or reducing the mortgage interest deduction.
Tax Reform or Raising Taxes
There is an old saying about the two...
How Can A Qualified Mortgage Consultant Help Boost Your Credit Score?
How Can A Qualified Mortgage Consultant Help Boost Your Credit Score? By Jansen Drake, CMS 1st Metropolitan Mortgage Marietta, GA – Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market...
Rhode Island Mortgage Loans
Whether you live in the Blackstone Valley, Block Island, East Bay, South County, Warwick, Providence, or Newport you know that Rhode Island offers so much to you. "Little Rhodey" is rich in history and her residents love living there. You can too as...
Wealth Creation and Mortgage Planning - Two Great Tastes that Taste Great Together
What if I were to tell you that almost everything you have been told about what to do with your home has been absolutely wrong and that one of the worst ways to build wealth is through your home? And what if I further went on to show you that...
What is a Reverse Mortgage?
Simply stated, a reverse mortgage is a loan that enables homeowners (age 62 and older) to convert part of the equity in their home into a tax-free income without having to sell the home, give up the title, or take on a new monthly mortgage payment....
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Your Mortgage Rate Lock - Don't Let It Slip Away
It's a great feeling to know that you have locked your interest
rate. You can now close your dream home with the payment you can
afford. No worries about a volatile market. However, it is
important that you read and completely understand the lock
agreement that you signed with your lender.
Each state has different wording on the form, but it all comes
down to disclosing the terms and conditions of the lock. The
form will spell out the loan program, loan amount, loan type,
interest rate, origination fee, number of lock days and lock
expiration. Some even charge an up front non-refundable fee.
Closing on time means that the lender must disburse the funds by
the expiration date. But what happens if the lender does not
close on time? The lock agreement should clearly state what
would happen. The loan will probably be locked at the higher of
the previous lock price or current pricing. In rare cases the
loan program could be discontinued
altogether.
Make your application journey a happy one. Discuss with the loan
officer up front if the lock days are enough to meet the closing
target date. Many loans require an appraisal. This is a key area
and can be a time consuming part of the process. If the sales or
refinance market is hot in your area it could take longer than
normal to complete the appraisal. Be sure and cover estimated
appraisal turnaround time with the loan officer during
application.
During the loan process be sure and return any documentation
quickly to the lender when asked. Be available to sign escrow
papers in a timely manner. When the loan is funded, and you get
the keys, it's a great feeling to know you closed your loan
exactly as you hoped.
About the author:
Bill Wehr has been in home loan origination for over 25 years.
He is the owner of Great Pacific Northwest Mortgage
http://www.billwehr.com , a residential mortgage company serving
Oregon and Washington.
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