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Useful information for your purchase and home mortgage

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1) Choosing the Mortgage That's Right For You - Learn what a mortgage is and calculate your buying power. Understand fixed-rate, adjustable-rate, government, and other mortgage options. Understand key factors that affect your mortgage payments.

2) Opening the Door to a Home of Your Own - Learn if you're ready to buy a home. Determine how much house you can afford. See how much money you may need for a down payment. Estimate your monthly mortgage payments.

3) Knowing and Understanding Your Credit - Learn what credit is and why it is important to buy a home. Find out how to order your credit report and correct any errors. Discover what your credit score means to lenders. Get helpful tips on how to repair past credit problems.

4) Borrowing Basics – What You Don't Know Can Hurt You - Learn what you can do to avoid predatory lenders. Discover signs that may point to an untrustworthy loan situation. Understand ways you can get the best loan for your situation. Receive a useful glossary of loan terms that will help you understand lending term language.

5) Know Before You Go To Get A Mortgage - Did you know that there are currently no states or federal laws requiring a mortgage lender give you the lowest rate available? In addition to the Federal Reserve dispelling several lending myths this report contains common terms every buyer should know.

6) Interest Only Mortgage Payments and Payment Option Arms – Are They for You? - Before choosing an interest only or a pay option arm be sure you know all the facts. This report discusses the potential of payments shock and negative amortization with these loans.

7) Understanding Your FICO Score - Did you ever wonder how credit scores are determined? This 17 page Fair Isaac booklet helps you understand why FICO scores are used by lenders, how they are computed, and what steps you can take to improve yours. Since improving your score may result in lower interest rates on home loans this is a must read booklet.

8) Your Access to Free Credit Reports - Did you know the Federal Trade Commission requires Equifax, Experian, and Trans Union to furnish you a free copy of your report every 12 months? Their consumer report outlines the three methods to obtain your report, the proper steps required, and warns you of the dangers of the numerous imposter sites on the web.

9) Your Credit Score, What it Means to You as a Prospective Home Buyer - This five page mini report discusses the history of credit scoring, the five factors of credit scoring, how scores affect interest rates, dealing with credit challenges as well as a number of other valuable tips.

10) Home Buyer's Handbook - This is a must have for anyone purchasing a home. Designed to answer commonly asked questions this report covers the basics about buying a home.


For additional information request these single page information flyers

11) 19 Steps to Homeownership - A brief review of the steps involved in a typical home loan process.

12) Truth-In-Lending Most Frequently Asked Questions - Perhaps the most commonly misunderstood disclosure the five common questions are answered here.

13) Understanding the Home Appraisal Process - This process is perhaps the most baffling to the consumer. This information handout explains what the appraiser must consider as he places a value on the property.

14) What are Points and When Should you Pay Them? - When comparing different lender options the best rate may not always be the best deal.

15) Interest Rates and When is the Best Time to Lock - Should you lock or float? When comparing rates know the difference may help you obtain more to reliable estimates.