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The No Appraisal Refinance

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3 Neighborhood Demographics You Need to Consider Before Buying

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Loan Officers: Private Lender vs. Bank

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How to Negotiate Closing Costs

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Mortgage Industry Changes... Who Wins?

majesticloan.com

No Money Down Loans?

May 18, 2017There are mortgage loan programs that require zero money down. If you’re a veteran or active duty and have at least 181 days of service, you’re eligible for a VA loan which requires no down payment. USDA loans are another government-backed mortgage program that doesn’t need a down payment yet the property must be located in an appro .....

POSTED ON May 18, 2017
majesticloan.com

New Mortgage Rules and How to Make the Most of Them

May 17, 2017You may or may not have noticed, especially if  you’re not in the mortgage business, but 2017 did bring a few changes to the mortgage industry. The majority of all loans made today are those underwritten to guidelines set forth by Fannie Mae and Freddie Mac. When a lender approves a loan using these standards the loan is then e .....

POSTED ON May 18, 2017
majesticloan.com

How to Get Approved for a Home Loan Today

May 16, 2017For those about to embark on a home purchase and it’s their first time, they really don’t appreciate how easy the approval process is compared to several years ago before automated underwriting took over. In the past, a loan was completely documented before an underwriter ever looked at the loan file. A fully documented loan package .....

POSTED ON May 18, 2017
majesticloan.com

Home Loans for Bad Credit

May 15, 2017For those who have low credit scores, say someone with a score below 600, they may not have as many choices when researching mortgage loans. Most loans today ask for a credit score of at least 620 but there are programs that allow for an approval with a score as low as 580. FHA loans are a popular choice for those with less-than-per .....

POSTED ON May 18, 2017
majesticloan.com

Tips Handling Your Finances As the Fed Raises Rates

May 12, 2017The Fed has been a bit more active as of late as it relates to monetary policy and adjusting interest rates. The Federal Open Market Committee, or FOMC, meets every six weeks or so to discuss the current economic policy and the cost of funds. So far this year we’ve seen one interest rate increase of 0.25% in addition to the move mad .....

POSTED ON May 18, 2017
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