Last week’s economic reporting included readings on sales of new and previously-owned homes, inflation, and weekly readings on mortgage rates and jobless claims. President Biden announced his nomination of Federal Reserve chairman Jerome Powell for a second term. Financial markets were closed Thursday and Friday for the Thanksgiving holiday. Single-Family Home Sales Increase in October The Commerce Department reported sales of new homes rose in October with 745,000 new homes sold on … [Read More...]
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Have You Been Denied for a Mortgage? Here Are 3 Reasons Why You’ll Want to Keep Trying
By Joe Gonzalez
If you're in the market for a new home, you'll most likely need a mortgage in order to afford it. But for some home buyers, getting a mortgage isn't easy. Banks and other lenders are often hesitant to lend money to certain consumers, often for good reason. But sometimes, lenders' reasons for declining you aren't entirely valid. That's why, if you've been denied for a mortgage, you'll want to keep trying to get mortgage funds. Here are three factors that can influence the likelihood of approval … [Read More...]
What Are the Advantages to Paying off Your Mortgage Early? Here Are a Few That Might Entice You
By Joe Gonzalez
If you're looking into fixed term mortgages, you might be wondering whether there's any reason why you should take the full term to pay off the loan. In a lot of cases, paying off a mortgage before it comes due is a great decision. If you're considering paying off your mortgage early, you'll experience a variety of benefits – here are just a few of them. You'll Save Thousands In Interest Payments By and large, the single biggest advantage of paying off a mortgage early is the money you'll … [Read More...]
What’s Ahead For Mortgage Rates This Week – November 22, 2021
By Joe Gonzalez
Last week’s scheduled economic news included readings from the National Association of Home Builders on housing market conditions. Reporting on housing starts and building permits was released along with weekly reports on mortgage rates and jobless claims. NAHB: Home Builder Confidence Grows as Demand for Homes Increases November’s national reading for home builder confidence in housing market conditions for single-family homes rose three points to an index reading of 83 and the … [Read More...]
How to Use a Mortgage Calculator to Determine Your Monthly Payments, Interest and More
By Joe Gonzalez
Are you thinking about using a mortgage to buy a new home? Buying your own piece of local real estate is a major financial investment and one that can require some pretty complex math to fully understand. In this blog post we'll discuss mortgage calculators and how to use one of these tools to determine your monthly mortgage payments, interest charges, amortization periods and more. Determining Your Principal and Down Payment Amounts To get started with a mortgage calculator you'll need to know … [Read More...]
Qualifying For A Mortgage Credit Certificate
By Joe Gonzalez
Purchasing a house can be expensive, but there are measures in place to make it easier, particularly for people buying a home for the first time. One option is a mortgage credit certificate. What is the certificate, and how does it work? A Mortgage Certificate Is A Tax Credit A mortgage credit certificate, usually shortened to MCC, is a credit issued to first-time homebuyers by the local or state government. This certificate allows first-time homeowners to claim a federal tax credit for mortgage … [Read More...]
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