O1NE MORTGAGE

Should You Get Owner's Title Insurance? Here are reasons to consider: 1) If the home has changed hands a lot; 2) If you can't afford legal fees to dispute other claims to your property; 3) Peace of mind, knowing that your investment is always protected. Secure a mortgage with confidence. Start the process online from our website or call us today!

An escrow account is for making payments toward your real estate fees like taxes and insurance. It helps make these fees more manageable through monthly installments rather than paying a large lump sum when these bills are due. There’s typically a minimum balance that must be maintained to ensure that you have enough money to pay the fees. However, these fees can sometimes fluctuate, and when this happens, your escrow account could be short. This is called an escrow shortage. Here's a rundown of why this occurs and what you can do about it.

Refinancing Continues to be Attractive As Mortgage Rates Stay Under Three Percent But, for eager buyers, especially first-time homebuyers, inventory continues to be extremely tight and competition for available homes to purchase remains high.

Curious about buying a foreclosed home? Here's what you need to know to get started.

A condo refi is similar to refinancing any other home. However, since there are more variables when refinancing a condo, such as shared amenities, lenders usually conduct a property review.

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Mortgage Rates Hit Another Record Low Mortgage rates are at record lows and pushing many prospective homebuyers off the sidelines and into the market. Homebuyer sentiment is sanguine and purchase demand shows no real signs of waning at all heading into the new year. Should you lock a mortgage rate today?

There are many first-time buyer home loan programs available, each with its perks and particular qualifying requirements. In this overview, we'll share the 7 most popular first-time homebuyer programs.

Mortgage Rates Reach Another Record Low Despite persistently low mortgage rates, home sales have hit a wall. While homebuyer appetite remains robust, the scarce inventory has effectively put a limit on how much higher sales can increase. So if you are buying a home, locking in now could be a smart move, as strong demand means home prices are rapidly escalating and eroding the benefits of the low mortgage rate environment. ... If you need help, give us a call or leave us a message here.

Rebuilding takes a toll, both emotionally and materially. If your home was impacted but the area was not declared a disaster area, then you'll want to look at a renovation loan like an FHA 230(k). If you need help with your financial options for rebuilding, contact us.

Home prices shot up 13% after Labor Day, and pending sales went up 27%. And new listings of homes were up 6% from a year ago. Property experts say that the increase drove strong YoY growth in home sales, as mortgage applications and pending sales showing tremendous growth heading into fall. Is it a good time to buy a house? Absolutely! Contact us to get started.

Mortgage rates have hit another record low due to a late-summer slowdown in the economic recovery. These low rates have ignited robust purchase demand activity, which is up to twenty-five percent from a year ago and has been growing at double-digit rates for four consecutive months.

What You Need to Know About The New FHFA Refinance Fee Last month, both enterprises Fannie Mae and Freddie Mac announced a new fee to be imposed on all conventional refinance loans starting September. The new fee, called Adverse Market Refinance Fee, is equal to 0.5% of the loan amount. That means, for a $200,000 refinance, the new fee would be at $1,000.... But on August 25, FHFA announced it will delay rolling out the new fee until December 1, 2020. FHFA also announced exemptions for loans with balances below $125,000, nearly half of which is comprised of lower-income borrowers at or below 80% of area median income. Affordable refinance products, Home Ready and Home Possible, are also exempt.

Refinancing has both immediate and long-term advantages. Does it make sense for you? Take our quiz to find out! And if... You have the slightest inkling that refinancing could benefit you, don't wait! Contact us today to get immediate answers and secure a lower interest rate while it's available.

Thinking about buying a first home or a second? You have many loan options, and each one varies as far as their down payment requirements. Use this quick guide to get an idea of the amount you'll need to put down on your next purchase. Here's a "didn't read" recap: Conventional Loan - varies depending on your credit score, between 3% up to 5%... FHA Loan - at least 3.5% for 580 or higher. If between 500 and 579, you'll need at least 10% down. VA and USDA Loan - No down payment required. Have more questions? We’re here to help! Contact us today for personalized answers to all your down payment qualifying questions.

One of the most popular government-backed loans is an FHA loan, specifically geared for lower-income households. However, when homeowners move up the income bracket and find themselves able to get an investment property. So the question is - can you get a conventional loan for an investment property if you have an FHA loan for your home?

Do you dream of building a home, but your credit score isn't high enough for a traditional construction loan? An FHA construction loan can help! Contact us today to get honest and clear answers!

Mortgage rates are falling ridiculously low so you might be thinking about buying a first home or a second one. You have many loan options, and each one varies as far as their down payment requirements. Use our quick guide to get an idea of the amount you'll need to put down on your next purchase.

Rates Below 3%, First Time in 50 Years For the first time in 50 years mortgage rates fell below 3 percent. The drop has led to increased home buyer demand and, these low rates have been capitalized into asset prices in support of the financial markets. This is a rate that you won't see often, probably you'll never see again in our lifetime. So lock in with us right now and save on your monthly payments.

Rates are at record lows, so don't let your credit score stop you from refinancing. Contact us today and get definitive answers.

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