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This is a personal web site, reflecting the opinions of its authors. There are many different contributors to this blog and in no way is it a production of any one employer or employee. On our Meet The Team page, you can learn more about each individual contributor and their employment information. Statements on this site do not represent the views or policies of anyone other than the post or article author.

The information on this site is provided for information and discussion purposes only, and is not a  recommendation of any type for mortgage financing options or selecting a Realtor. Nothing in this website shall be construed as an offer to enter into a loan agreement, purchase a home, enter into a purchase contract, hire a professional of any kind or take any action whatsoever.

Due to the nature of this website, typo’s, errors, and unintentional misstatements of fact may occur. In no event shall the publisher of this website or any affiliates be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this website, whether based on contract, tort, strict liability or otherwise.

Comment Policy:

( special thanks to The Phoenix Real Estate Guy for letting us borrow portions of his comment policy)

Reader comments are encouraged! But please, be civil. This does not mean you have to agree with anything I say here. In fact, I welcome debate and encourage people to express what they feel.

We delete all spam that we can find – it is not allowed on this blog. In addition to the “typical” spam of things such as prescription medication, porn and deeply discounted software, blatant self-promotion and advertising will not be tolerated. I understand the need to advertise a business or product.  We don’t want to be put in a position of determining whose advertising should be here and whose should not. So the rule is no advertising in the comments. If you want to advertise on this blog, just please contact us directly.

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We will *occasionally* edit a comment, but will *never* change its intent. The only thing I will edit a comment for is format, and then only if it “breaks” the blog display. I will also edit the occasional URL to “hot link” it for the convenience of other readers. Strong language may be edited — kids read here.

Another Disclaimer Just In Case:

This is not a commitment to make a home loan. Not all people will qualify for a home loan. The terms and specifications contained herein are not guaranteed. Mortgage products may change at any time without notice. We make no guarantee, representation or warranty as to the accuracy of the information referred to on this website. The content of this website does not constitute professional or legal advice of any kind and may not be relied upon as such. The viewer is advised that they should consult with an accountant, financial consultant, tax advisor, and/or attorney before deciding to finance a home. We disclaim all liability that may arise out of any error or omission in the terms and specifications contained herein. We are not the government. Not available in all states.

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Recent Items

  • How Does a VA Streamline Work?
  • Can you Use a Mortgage Assumption after a Divorce?
  • What are the Major USDA Streamline Guidelines?
  • How is the USDA Monthly Guarantee Fee Calculated?
  • How to Purchase USDA Foreclosed Homes?

Latest News

  • How Does a VA Streamline Work?
  • Can you Use a Mortgage Assumption after a Divorce?
  • What are the Major USDA Streamline Guidelines?
  • How is the USDA Monthly Guarantee Fee Calculated?
  • How to Purchase USDA Foreclosed Homes?

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When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.

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