Mortgages - Howard County and Ellicott City REALTORS®

Jack Cooper2022-05-23T18:43:07-04:00November 12th, 2019|Categories: Buyers, Mortgages, Sellers, Tips, Life Hacks & How-to|

[et_pb_section fb_built="1" admin_label="section" _builder_version="3.22"][et_pb_row admin_label="row" _builder_version="3.25" background_size="initial" background_position="top_left" background_repeat="repeat"][et_pb_column type="4_4" _builder_version="3.25" custom_padding="|||" custom_padding__hover="|||"][et_pb_text admin_label="Text" _builder_version="4.0.5" text_font="|300|||||||" background_size="initial" background_position="top_left" background_repeat="repeat"]Renting vs. Buying a home in 2019 Here is your 2019 Guide to Renting vs Buying a home, complete with the advantages and disadvantages of renting vs. buying a home in 2019. Rising rents, absentee landlords, ugly wallpaper: At some point, nearly every renter has faced frustrations

Preapproval vs. Prequalification

Mortgages

Preapproval vs. Prequalification

Jack Cooper2022-05-23T18:43:08-04:00May 5th, 2019|Categories: Mortgages|Tags: Buying a Home, Money, Mortgage, Preapproval, Prequalification|

When you're buying a home for sale in Ellicott City or one of the nearby cities, your real estate agent will likely tell you that you need preapproval from a lender. But how is preapproval different from prequalification, and why do you need it? Preapproval vs. Prequalification Preapproval is a process you have to go through with a lender. It requires you to submit documents

What is Debt-to-Income Ratio When You Buy a Home in Ellicott City?

Buyers, Mortgages

What is Debt-to-Income Ratio When You Buy a Home in Ellicott City?

Jack Cooper2022-05-23T18:43:08-04:00April 21st, 2019|Categories: Buyers, Mortgages|Tags: Buying a Home, Debt, Debt-to-Income Ratio, Income, Loan, Mortgage|

When you buy a home in Ellicott City, Columbia, Catonsville or elsewhere, you'll most likely need a mortgage - and that means a lender will look at your debt-to-income ratio, or DTI. But what is debt-to-income ratio, and how will it affect your home purchase? What is Debt-to-Income Ratio When You Buy a Home in Ellicott City? Your debt-to-income ratio is the ratio of how

3 Common Mortgage Questions When You’re Buying a Home in Ellicott City

Buyers, Mortgages

3 Common Mortgage Questions When You’re Buying a Home in Ellicott City

Jack Cooper2022-05-23T18:43:08-04:00April 19th, 2019|Categories: Buyers, Mortgages|Tags: Down Payment, Fixed-Rate Mortgage, Interest, Mortgage Questions|

If you're like most people buying a home for sale in Ellicott City, you'll need a mortgage. Check out these three common mortgage questions to get a head-start on understanding the process. 3 Common Mortgage Questions When You're Buying a Home in Ellicott City Three of the most common mortgage questions people have when they're buying a home for sale in Ellicott City include: Do

What is a VA Loan?

Buyers, Mortgages

What is a VA Loan?

Jack Cooper2022-05-23T18:43:08-04:00April 9th, 2019|Categories: Buyers, Mortgages|Tags: Buying a Home, Mortgages, PMI, Private Mortgage Insurance, Service Members, U.S. Armed Forces, VA Loans, Veterans|

[et_pb_section fb_built="1" _builder_version="3.22"][et_pb_row _builder_version="3.25" background_size="initial" background_position="top_left" background_repeat="repeat"][et_pb_column type="4_4" _builder_version="3.25" custom_padding="|||" custom_padding__hover="|||"][et_pb_text _builder_version="4.4.7" background_size="initial" background_position="top_left" background_repeat="repeat" custom_css_before="h1, h2, h3, h4, h5, h6 {|| font-family: 'poppins',Helvetica,Arial,Lucida,sans-serif;||}||"]If you're a current or retired member of the U.S. Armed Forces, or if you're a qualifying dependent or U.S. government employee, you could be entitled to use a VA loan.So what is a VA loan, and how do you get one?

What Paperwork Do You Need to Get a Home Loan in Ellicott City?

Buyers, Mortgages

What Paperwork Do You Need to Get a Home Loan in Ellicott City?

Jack Cooper2022-05-23T18:43:08-04:00April 5th, 2019|Categories: Buyers, Mortgages|Tags: Documents, Mortgage, Pay Stubs, Tax Returns, W2s|

If you're buying a home for sale in Ellicott City, your lender will want plenty of paperwork to back up your financial claims and make a lending decision. You'll have to have everything ready when your lender needs it, too, because if you don't, you could delay your closing and have to wait even longer to get into the home of your dreams. Related: Mortgage

What Are Closing Costs?

Buyers, Mortgages

What Are Closing Costs?

Jack Cooper2022-05-23T18:43:08-04:00April 3rd, 2019|Categories: Buyers, Mortgages|Tags: Closing Costs, Fees, Mortgage|

When you buy a home in Ellicott City, Columbia, Catonsville or elsewhere, one of the sums of money you'll most likely have to come up with will go toward your closing costs. But what are closing costs, and how much will you have to pay for them? What Are Closing Costs? Closing costs are fees you have to pay to your lender and to other

What to Ask Your Mortgage Lender Before You Buy a Home in Ellicott City

Buyers, Mortgages

What to Ask Your Mortgage Lender Before You Buy a Home in Ellicott City

Jack Cooper2022-05-23T18:43:08-04:00April 1st, 2019|Categories: Buyers, Mortgages|Tags: Adjustable-Rate Mortgage, Fixed-Rate Mortgage, Jumbo Loan, Lender Questions, Loan, Mortgage, USDA Loan, VA Loan|

If you're buying a home for sale in Ellicott City or any of the surrounding communities, do you know what to ask your lender before you apply for a mortgage? What to Ask Your Mortgage Lender Before You Buy a Home in Ellicott City We always recommend doing your homework before you take out a mortgage - even if it's not your first time. Make

What is a Foreclosure?

Buyers, Mortgages

What is a Foreclosure?

Jack Cooper2022-05-23T18:43:08-04:00March 19th, 2019|Categories: Buyers, Mortgages|Tags: As-Is, Buying a Home, Foreclosure|

As you're looking through Ellicott City homes for sale, you may see some listed as foreclosures. So what are foreclosures, and should you buy one? What is a Foreclosure? A foreclosure is a home that's been through a legal process after its owner has been unable to make payments on it. It's not a home in which the owner misses one payment - usually, foreclosure

Mortgage Basics for Buyers

Buyers, Mortgages

Mortgage Basics for Buyers

Jack Cooper2022-05-23T18:43:09-04:00March 11th, 2019|Categories: Buyers, Mortgages|Tags: Adjustable-Rate Mortgage, Credit, Credit Score, Documents, Down Payment, Financing, Fixed-Rate Mortgage, Loan, Mortgage, Preapproval|

When you're buying a home for sale in Ellicott City or another community, you'll most likely have to get a mortgage loan to do it - most people do. But even if you've had a mortgage loan before, check out these basics before you dive into house-hunting. Mortgage Basics for Buyers Mortgages aren't as complex as they seem, but there are a few things you

Renting vs Buying a Home in 2019

Renting vs Buying a Home in 2019

Preapproval vs. Prequalification

Preapproval vs. Prequalification

What is Debt-to-Income Ratio When You Buy a Home in Ellicott City?

What is Debt-to-Income Ratio When You Buy a Home in Ellicott City?

3 Common Mortgage Questions When You’re Buying a Home in Ellicott City

3 Common Mortgage Questions When You’re Buying a Home in Ellicott City

What is a VA Loan?

What is a VA Loan?

What Paperwork Do You Need to Get a Home Loan in Ellicott City?

What Paperwork Do You Need to Get a Home Loan in Ellicott City?

What Are Closing Costs?

What Are Closing Costs?

What to Ask Your Mortgage Lender Before You Buy a Home in Ellicott City

What to Ask Your Mortgage Lender Before You Buy a Home in Ellicott City

What is a Foreclosure?

What is a Foreclosure?

Mortgage Basics for Buyers

Mortgage Basics for Buyers

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