Mistowski's (mistowski) Blog

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Mortgage and Lending - Horizon Lending Services, LLC - NMLS # 942863
RECENT BLOG POSTS
When you closed on your home, you signed a whole stack of documents, which you likely just skimmed at best. However, in that stack of papers was what's known as a promissory note. Now would be a good time to dig up that note and take a closer look because it's an important document that you shoul...
06/27/2018
Mortgage refinancing often brings about a lot of questions. In this article, we'll answer some of the most common.  What Is Refinancing Your Mortgage?Mortgages are a very long-term deal. Most borrowers sign up for a 15 or 30 year loan. If you choose a fixed-rate loan, you've locked in an interest...
06/25/2018
If you are looking to get married and buy a home, you are probably fluttering with excitement. However, these are all very big steps to take in your relationship and in your life, which is why it is worth both of you taking some time to review your financial wellness and stability to ensure you h...
06/21/2018
Myth #1: Borrowing Value Is CappedUnlike many other loans, the Veterans Affairs home loan program does not cap the loan-to-value ratio, or LTV, of a mortgage. In other words, your loan can be up to 100% of the home’s value. So, if you qualify for the program and you are looking at a $150,000 home...
06/19/2018
Saving for a down payment is often the hardest part of purchasing a home. With conventional loan programs requiring 20% down or more and government programs still requiring a minimum of 3%, people often struggle to come up with the money to get themselves into their very own home.Fortunately, the...
06/01/2018
In many neighborhoods, it's a seller's market. This means prices are high and demand is even higher, so what can you do to score a nice home without overpaying for it? #1 Know What You WantHouses sell fast in a seller's market, which is why you need to be very clear on what you want in your home....
05/31/2018
When it comes to things like getting personal credit and loans, small business owners often find themselves longing for the days when they were traditionally employed by another business. There's something lenders find comforting about seeing a "boss" listed on your application. Fortunately, you ...
05/30/2018
Buying a home is something most people strive for, but many are turned off very early in the process when they begin hearing that conventional loans typically require 20% down or more. For a $100,000 home (which is hard to find as it is), this would mean pulling $20,000 out of pocket just to begi...
05/22/2018
Are you looking to buy a home? The process can be very exciting but also tremendously stressful all at once, and it leaves many home buyers feeling as though they're being spun in circles. In this quick article, we'll give some advice that will help make things much easier for you when it comes t...
05/16/2018
Owning a home is typically the biggest financial decision any person will make. When thinking about your child's future, this probably will ring true for them as well. As a parent, it's your job to help set your child up for success and make sure that they are ready for all of the things ahead of...
05/14/2018
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Sharon Mistowski

Horizon Lending Services, LLC
local_phone(972) 347-9224
smartphone(972) 569-7226
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