Home Loans in Virginia, Maryland, SC, GA, & DC

The information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer. Therefore, it’s important your credit report reflects a positive image of the way you manage your money. If you’re getting ready to buy a home, che...

1.Research and choose a reputable Builder. You should shop for your builder as carefully as you shop for your home. 2.Hire your own Agent. Agents are trained for their job, they know what normally works and what does not. 3.Know what options come standard and which cost extra. You need to be sure...

 Buying a home is easily one of the most significant financial decisions you’ll make throughout your life. It requires planning, saving, and the right timing. But what factors should you consider when planning the timing of your home purchase? Here’s a quick guide for you to reference as you prep...

The health and safety of our clients, employees, and communities is our top priority. We are dedicated to protecting everyone’s well-being while sustaining efficient operations and moving your loan forward.  Most mortgage transactions still require a full appraisal in order to move forward to app...

Basic Requirements to Buy A House Being prepared can make the process run more smoothly.  1.Credit Requirements. It doesn't have to be perfect-different mortgage programs have different credit requirements. 2.Employment Requirements. Most lenders require 24 months of consecutive employment. 3.Sav...

Mom’s are the greatest. They are always our strongest supporters. You can't do wrong in Mom's eyes. When you are hurt, or not feeling well....there is no one else that can help you more than Mom. So go out and celebrate Mother's Day. Spend time with her or if you can't be there, take time for a l...

1.Save for a downpayment and closing costs. It can take a lot of work to save up to buy your first home, and you shouldn’t stop when you’ve stashed away enough for a down payment.  2.Reduce your debts. Develop a budget to track your expenses how much you’re earning and spending, and what you’re s...

You could incur penalties for not paying.Penalties vary by city and state,but you could potentially lose your house. You might be able to pay by Credit Card.Check first to see if there's an added fee. You get a tax break for paying them.They're deductible on your federal return. You can pay them ...

As we reviewed in an earlier section, the credit bureaus’ scoring formulas take into account that consumers shop for the best rates and compare different loan programs. Each bureau will differ slightly in its treatment of multiple inquiries. FICO recommends focusing your rate shopping in a 30 day...

What have you bought to make your space just a bit more comfortable? Buying and moving into a new home can be one of life’s great joys. How do you make your space beautiful and comfortable while reflecting your personality in your home? Are you more of furniture shopping or appliances shopping? O...