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Let us answer your frequently asked questions

Obtaining a home loan is a very detailed process. In order to make the process less painful, let us answer your questions before you even have to ask them.

How is my credit score determined? Credit scoring is widely accepted by lenders as a reliable means of credit evaluation. The three major reporting agencies are Equifax, Experian, and TransUnion.


How can I increase my credit score? Make sure to pay your

bills on time, don't apply for credit frequently, reduce your

credit card balances and if you have limited credit then obtain additional credit.

Credit scores and credit reports

Why do interest rates change? Interest rate movements are based on the simple concept of supply and demand.


What is the difference between being pre-qualified and pre-approved? Pre-qualification is normally determined by a loan officer while pre-approval is a step above pre-qualification.

Pre-approval involves verifying your credit, down payment, employment history, etc. Your loan application is submitted

to a lender’s underwriter, and a decision is made regarding

your loan application.


Can my loan be sold? Your loan can be sold at any time.

There is a secondary mortgage market in which lenders frequently buy and sell pools of mortgages. This secondary mortgage market results in lower rates for consumers. A

lender buying your loan assumes all terms and conditions

of the original loan.


What is a rate lock? A rate lock is a lender’s promise to

“lock” a specified interest rate and a specified number of

points for you for a specified period of time while your loan application is processed.


What is an Annual Percentage Rate (APR)? The Annual Percentage Rate is the actual cost of the mortgage, based on the mortgage interest rate and factoring in other costs, including points paid and underwriting and processing fees.


Are you an Equal Housing Opportunity Lender? Yes, absolutly. The mission of the Office of Fair Housing and Equal Opportunity (FHEO) is to eliminate housing discrimination, promote economic opportunity, and achieve diverse, inclusive communities by leading the nation in the enforcement, administration, development, and public understanding of federal fair housing policies and laws.


FHEO protects people from discrimination on the basis of race, color, religion, sex, national origin, disability, and familial status.  In addition, housing providers that receive HUD funding, have loans insured by the Federal Housing Administration (FHA), as well as lenders insured by FHA, may be subject to HUD program regulations intended to ensure equal access of LGBT persons.

Interest rates, loans and more

Learn the ins and outs of the loan process.




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