Lending / Financial

Buying real estate is even more challenging for those of us whose eyes glaze over at the mere mention of decimals, percentages or anything else that even hints of mathematics.


The financial aspect of purchasing the largest investment of your lifetime, though, is the most important. Nobody wants to lose money. Nobody wants to leave money on the table.


If you're in the market for information on mortgages, credit scores and interest rates, you've come to the right place. The financial and mortgage pros here at ActiveRain even tell you how to shop for and compare lenders, how to raise your credit score, how to get a mortgage after a short sale or foreclosure and how to get pre-approved for a mortgage loan. Even Mom and Dad can't give the great advice you'll find here at ActiveRain.


Plan to spend some time here because ActiveRain's content library is massive. Lucky for you we've arranged it so that it's über user-friendly. You'll be amazed at how easy it is to put your finger on just the information you're looking for without having to surf a million other pages.

Trending blogs on Lending / Financial

 

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #8 - Can I use my VA benefit more than once?During the course of our year we speak to many Home Buyers.   I am always surprised to hear many Veterans state that they are not eligible to use their VA Home loan benefit again, since they already have a VA Loan, or had a VA Loan that was paid ...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #4 - What is the VA Loan Limit?The Veterans Administration does not actually have a Loan Limit or maximum loan amount for VA Loans.  However there are VA County Loan Limits which are the maximum Loan Amounts available for 100% VA financing in that respective county.   Most US counties are ...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #2 - Does the VA make VA Loans?Does the VA make or underwrite my VA loan?   No, The VA does not make or underwrite VA Loans, private Lenders make VA Loans.   The Veterans Administration guarantees VA Loans.   VA Loans and VA Jumbo Loans are made by private Lenders such as VanDyk Mortgage p...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #1 - What is a VA Loan? A VA Loan is a home loan program that was created by Congress back in 1944 to help our returning Veterans from World War ll  be able to purchase a home after serving our country in the Militay with no downpayment required.  USA Military Veterans and Active Duty Mili...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #3 - Who can qualify for a VA Loan?Qualified Veterans, Reservists,  Guard,  and Active Duty Military Personnel may qualify.    There are minimum service time requirements for each group, that will be address in a subsequent FAQ.   Certain surviving spouses of deceased Veterans may qualify ...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #10 - Are VA Loans available over $424K?YES.   We offer VA Loans over $424K to qualified Veterans. We even offer VA Loans over $1m all the way to $1.5M VA Jumbo Loan amounts to qualified Veterans. Many VA Lenders cap their VA loans at $424K,  $650K, $729K, or $1m.    VanDyk Mortgage offers...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #9 - Should I get a VA Loan Pre-Qualification or VA Loan Pre-Approval?YES.   You should get a full VA Loan Pre-Approval before shopping for a Home when planning to use VA Loan Financing from a Direct Lender that specializes in VA and VA Jumbo Loans, such as VanDyk Mortgage.Why should I get...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #11 Can I get a VA Home Loan if another VA Lender has denied my VA Loan?The answer is possibly.   There are many reasons why VA home buyers can be denied for home loans,  some of those reasons can be overcome by working with an experienced VA Lender such as VanDyk Mortgage.   We understand...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
VA FAQ #12 - what Fico score do I need for a VA Jumbo Loan? For a VA Jumbo Loan up to $1.5m,  we require a minimum of a 580 middle credit score.Yes, that is correct,  we underwrite direct to VA Guidelines with no investor overlays. VA Jumbo (aka VA high Balance, VA Super Conforming), loans are af...

By Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480
(VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)
Comments 0
   For the Week Ending August 18, 2017   Please enjoy this quick update on what happened this week in the housing and financial markets.       In July, retail sales recorded their biggest increase in 7 months. Consumer spending rose at a 2.8% annualized rate in the second quarter. Regardless of t...

By Mr. Laurent
(DL Financial)
Comments 21
When you are buying, selling, monetizing, funding or discounting Bank Guarantees, you only want to work with the most reliable, safe, ethical, knowledgeable, honest and efficient providers.   Here are Top 11 Reasons Why DL FINANCIAL LIMITED should be Number 1 for you!     1. Unrivaled Authenticit...

By John Meussner, #MortgageMadeEasy Costa Mesa, CA 484-680-4852
(Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,)
Comments 9
  Can I change my home's title after closing?          An alternative title to this post could be "your mortgage broker is an idiot".  Unfortunately, the answer many loan officers will provide to this question is "sure you can, just wait until the loan is closed and recorded, and then change titl...

By Roy Kelley, Roy and Dolores Kelley Photographs
(Realty Group Referrals)
Comments 15
First Time Home Buyer Grants  The Federal Home Loan Bank of Atlanta participates with approved lenders to offer First Time Home Buyer Grants to purchase properties and the money can be used for down payment and closing costs. 1stMariner Mortgage is a participant of this program. Here are some of ...

By John Meussner, #MortgageMadeEasy Costa Mesa, CA 484-680-4852
(Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,)
Comments 1
Recently Closed - Term Reduction Refinance in Wilmington, DE       This blog post could also be titled "when things come together perfectly".  You know what I mean.  When a client has their stuff together, in every aspect of having their stuff together.  Great credit, great communication, respons...

By Kasey & John Boles, Boise & Meridian, ID Ada/Canyon/Gem/Boise Counties
(Jon Gosche Real Estate, LLC - BoiseMeridianRealEstate.com)
Comments 6
Flyer & Information Courtesy of: Guild MortgageKellie AllenMortgage Consultant/Branch Manager776 E Riverside Drive Ste. 100                                                        Eagle, ID 83616O: 208.489.2824 F: 208.914.7122 M: 208.941.4914kallen@guildmortgage.netNMLS ID 92930 Company NMLS # 327...

By John Meussner, #MortgageMadeEasy Costa Mesa, CA 484-680-4852
(Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA,)
Comments 27
 What is "Fannie direct" (and why your lender should be)      It's hard to keep up with all of the mortgage industry jargon, especially when one phrase can mean so many different things.  The latest phrase I've gotten many questions on is the"Fannie direct" loan option.  This is an important one ...

By Joyce Kelley, Buyers Agent 800-309-3414 Pace and Gulf Breeze,Fl.
(Charles Stallions Real Estate Services Inc)
Comments 0
Home Buying in Gulf Breeze Florida 32561,Mortgage rates drop below 4% After two weeks of increases that took the 30-year fixed-rate mortgage to 4.03%, it dropped back this week to an average 3.96%. Read more.  THOUSANDS OF HOMES... One Address www.charlesstallions.com                             ...

By John Jones
(Briggs Freeman Sotheby's International Realty)
Comments 3
If you need to raise your credit score to qualify for a mortgage (or qualify for a better rate), ask your mortgage professional if they offer the rapid rescore service.  Rapid rescore is a tool offered by some mortgage companies that allows newly documented and vertified information to be reporte...

By Mary Jo Quay
(Remax Advisors )
Comments 2
FREE Credit Repair Workshop  The economic crisis and housing market has taken its toll on thousands of families, causing stress and heartache.   For far too long, easy credit seduced us to outspend our incomes, rely on credit cards, and use our homes as a personal ATM.   Debt has become a four l...

By Lisa Delzompo 951-704-4559, Experienced, Trusted, & On Your Mission: Home
(PRW Lending, Inc)
Comments 1
Who's Who In Murrieta CA -- Credit Repair: Sobak Financial, Anthony Sobak Toll Free: 877-SOBAK80 So this year, I've been going to the SRCAR Meetings and meeting the various "Who's Who" in real estate related fields with the Southwest Riverside County Association of Realtors (SRCAR), and this week...