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Down Payment Assistance

Down Payment Assistance

by Ed & Barbara Heiser | Sep 29, 2018 | Home Buying Process, Mortgage Approval Process, Mortgage Closing Costs, Mortgage Payments, Mortgage Programs, Mortgage Rates

The following chart is provided as a summary of the basic qualifying features of the most popular Arizona Down Payment Assistance programs.  These programs are made available to help responsible Arizona home buyers who struggle to save for a down payment buy a home...

Top 8 Things To Ask Your Lender During The Application Process

by Ed & Barbara Heiser | May 11, 2018 | Mortgage Approval Process

Knowing what questions to ask your lender during or before the loan application process is essential for making your mortgage approval process as smooth as possible. Many borrowers fail to ask the right questions during the mortgage pre-qualification process and end...

Alternate Sources For Establishing Credit

by Ed & Barbara Heiser | May 11, 2018 | Mortgage Approval Process

While the basic Rule-of-Thumb for acceptable credit history is a minimum of four trade lines documented on a credit report, there are alternative methods of building a credit picture that an underwriter can use to make a decision for a loan approval. For potential...

Is There A Rule-of-Thumb Regarding The Number Of Credit Lines To Have Open?

by Ed & Barbara Heiser | May 11, 2018 | Mortgage Approval Process

While the actual credit score has a big impact on a loan approval, it’s not the only component of the credit scenario that underwriters consider for a mortgage approval. Since loan programs, individual lenders and mortgage insurance companies all have their own...

Ten Credit Do’s and Don’ts To Bear In Mind Prior To Getting Your Mortgage Loan

by Ed & Barbara Heiser | May 11, 2018 | Mortgage Approval Process

How can a fully approved loan get denied for funding after the borrower has signed loan docs? Simple, the underwriter pulls an updated credit report to verify that there hasn’t been any new activity since original approval was issued, and the new findings kill...
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