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Blog: Mortgage Information

The Advantages of Different Types of Mortgage Lenders

Posted on February 6, 2019 - 12:25 PM by Donna Labar

What kind of lender is best? If you ask a loan officer, “What kind of lender is best?” the answer will be whatever kind of company he works for and he will give you a list of reasons why. If you meet the same loan officer years later, and he ... Read more

WHAT’S A FICO®?

Posted on January 2, 2019 - 12:25 PM by Donna Labar

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Posted on November 28, 2018 - 12:25 PM by Donna Labar

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Posted on October 31, 2018 - 01:25 PM by Donna Labar

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

Items You Need When Applying For a Loan

Posted on October 31, 2018 - 01:25 PM by Donna Labar

Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify the data supplied by borrowers. Nowadays, the interest is often in speed and getti... Read more

FICO® Scores and Your Mortgage

Posted on October 31, 2018 - 01:25 PM by Donna Labar

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more

FICO® Score - a Brief Explanation

Posted on October 31, 2018 - 01:25 PM by Donna Labar

When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you’ve made your payments on time. What you may not expect is that they seem to be more interested in your FICO® score. “What’s a... Read more

Documenting Your Assets - Verifying Your Down Payment

Posted on October 31, 2018 - 01:25 PM by Donna Labar

When buying a home, it is not enough to just come up with the money. With the exception of no asset verification loans, lenders want to verify where the money for your new home will be coming from. If you can document that the funds are coming from your p... Read more

Closing Costs When Buying or Refinancing a Home

Posted on October 31, 2018 - 01:25 PM by Donna Labar

This is a detailed summary of costs you may have to pay when you buy or refinance your home. They are listed in the order that they should appear on a Good Faith Estimate you obtain from a mortgage lender. There are two broad categories of closing costs. ... Read more

Adjustable Rate Mortgages - The Basics

Posted on October 31, 2018 - 01:25 PM by Donna Labar

An adjustable rate mortgage (ARM) has an interest rate that fluctuates periodically. This is in contrast to a fixed rate mortgage, which always has the same interest rate. Every ARM has basic components: An index A margin Adjustment Period An inter... Read more

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Annie responded to our first contact to her email immediately and every request there after with the same expediency. She was very professional and personable with all our dealings. She has made our buying a very pleasurable experience. We would recommend her highly.

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© 2019 Greater Scranton Board of Realtors Information provided by the Greater Scranton Board of REALTORS® MLS. Information is for consumer's personal noncommercial use, and may not be used for any purpose other than identifying properties which consumers may be interested in purchasing. Consult the specific municipality for permitted Zoning uses. Information last updated on 2019-02-23.

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