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home financing

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Financing & Insuring

Student Debt and Buying a Home

May 7, 2019

Student debt is a hot topic these days, and little wonder: approximately 44.7 million Americans were paying back student loans as of 2017, according to the Federal Reserve Bank of New York (spreadsheet). If you’re one of them and have hopes of purchasing a home, the good news is that buying a home with student debt is achievable for many people. But each potential buyer should take a careful look at his or her student debt—and overall finances—to assess what’s smart for them. For some,…

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Financing & Insuring

Applying for a Mortgage Soon?

February 15, 2019
Get your credit mortgage ready with these 8 tips

We’ve created this handy infographic to help you understand and work to improve the factors that affect your credit score—an important consideration for any lender reviewing your mortgage application. Your credit score may influence what types of loans you can qualify for and what rate lenders will offer you, so it’s best to make it a priority as soon as possible in your home search. For more detailed information, download our free guide, 8 Credit Score Management Tips.

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Buying a Home

The House Hunting Experience: New vs. Resale

February 5, 2019

Homebuyers often think of buying new construction as a mysterious process. And as with many things, the unknown can make people nervous. But fear not! Buying a new construction home can be different than buying a resale one, but we’re here to get you up to speed on the differences—and similarities. New vs. resale: Financing With a resale home, prequalifying can help you determine your budget and may help the loan process go more smoothly when you move forward with a purchase. Buying a new…

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Financing & Insuring

How to Use a Mortgage Calculator

January 9, 2019

Mortgage calculators are an underappreciated example of how the web has made home shopping easier, smarter and flashier. OK, maybe not flashier, but definitely easier and smarter, as they can provide quick insights into whether you’re able to afford a mortgage, and if so, what you’ll want or need for a down payment, monthly payment, etc. Check your borrower profile below to see which mortgage calculators you might find useful. Keep in mind, however, that while these will give you good ballpark figures, they won’t…

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Buying a Home

3 Ways to Jumpstart Your House Hunt Online

January 3, 2019
Couple with computer

If you’re like many people, a new home is on your 2019 wish list. But that doesn’t mean you’re ready to hire a real estate agent tomorrow and start touring houses next Saturday. Sometimes the house hunting process needs time to ramp up. We like to call it “pajama time.” You need to do some research, check out some house hunting websites, make sure your credit is in order—preferably from your sofa! If this sounds like the homebuying stage you’re at, this is the article…

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