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A credit score measures a consumer's credit risk relative to the rest of the U.S. population, based on the individual's credit usage history. The cred...

Credit Risk Score

September 9, 2015

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September 9, 2015

A credit score measures a consumer's credit risk relative to the rest of the U.S. population, based on the individual's credit usage history. The credit score most widely used by lenders is the FICO® score, developed by Fair, Issac and Company. This 3-digit number, ran...

September 9, 2015

When it comes to ARMs there's a basic rule to remember...the longer you ask the lender to charge you a specific rate, the more expensive the loan.
 

September 17, 2009

IThe traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans ar...

June 21, 2003

Lenders, being in control of the loan, can bring results in a shorter amount of time with a lower cost and interest rate than that of brokers. Since a lender handles the loan application entirely, the borrower has more confidentiality with a lender.

July 1, 1999

A mortgage lender is a financing professional specializing in the entire loan: processing,underwriting,approving,funding ,closing and trading. They can originate, fund, and service loans without having to go to anyone else. Mortgage lenders work directly with investors...

August 8, 1998

Mortgage lenders have control over a variety of aspects in the loan process. They lock the loan term and rate, verify the loan information, and draw the loan document in preparation for funding. Upon closing the loan, they also service or sell the loan. While the loan...

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