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home financing

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Buying a Home

How to Find Your Dream Home in 10 days

November 1, 2019

You’ve probably heard of the movie, How to Lose a Guy in 10 Days. Watching that film had us thinking…what else can be done in a 10-day time period? How about finding your next home? It’s possible! We’ve broken down the process day by day to show you how. DAY 1: BUDGET   Wake up, stretch, get a cup of coffee and get ready to look at your finances. Make a detailed list of all your monthly expenses and determine what you can afford to…

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Financing & Insuring

Lock in a Mortgage Rate Through Late 2020

October 1, 2019
Extended rate lock

Planning to buy a home this year? If you’ve been keeping a nervous eye on news from the Federal Reserve, wondering if you’re missing out on your best mortgage rate because you’re not ready to close, an extended rate lock might be just the thing you need to move forward with confidence. What is an extended rate lock? A buyer typically has sixty days to close a loan after locking in a mortgage rate. With an extended rate lock by HomeAmerican Mortgage Corporation, you can…

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Financing & Insuring

What Credit Score Do I Need for a Mortgage?

September 20, 2019
Get an idea of what credit score you'll need for a mortgage.

Wondering what credit score you need to qualify for a mortgage? You’d be wise to ask. Your credit score (also known as a FICO® score) is one of the most important elements of qualifying for a home loan—and helps lenders determine your interest rate in the event you do qualify. While there isn’t a strict credit score standard that applies to all lenders—who have varying  requirements for loan origination—there are baseline standards if you’re applying for an FHA loan backed by the US government. To…

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Financing & Insuring

A Simplified Guide to Mortgage Options

August 30, 2019

Buying a home soon? Be sure to weigh your mortgage options. Click on each loan type in the chart to see if it might fit your situation. Remember, this is just a simplified starting point. Multiple loan options may be available to you. Your best resource for loan shopping is your loan officer. HomeAmerican Mortgage Corporation’s principal offices are located at 5775 DTC Boulevard, Suite 300S, Greenwood Village, CO 80111. HomeAmerican Mortgage Corporation (NMLS Unique Identifier #130676; NMLS Consumer Access website: http://www.nmlsconsumeraccess.org), 866.400.7126. Arizona Mortgage Banker…

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Buying a Home

5 Things to Do Before You Contract on a New Home

June 4, 2019

We recommend having a checklist of things to research and do in the days and weeks leading up to your home purchase. A few simple steps can help you feel prepared, well-informed and ready to sign that contract with confidence. 1.   Scope out neighborhoods If you’re moving within the same area of town, researching the neighborhood may not be a necessity. But if you’re relocating between states or even across town, this is a must! When you purchase a home, you’re also buying into the…

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