While not quite as bad as the 2012-13 flu season, this year has seen higher rates of reported flu cases than most years. The Center for Disease Control (CDC) estimates the flu season to continue until as late as May. Therefore, it is still in full swing and an immediate threat to your family’s health. Read More »... Read more ›
Home Loan Application Process In today’s world you can do almost anything online. From ordering groceries at the local supermarket to watching the most recent episode of Breaking Bad, It is a digital world. They say the world is at your fingertips, but with the endless possibilities why do we still have to go in Read More »... Read more ›
Tips To Improve Your Credit Score? Your Credit Score – Turning a Necessary Evil into a Money-Saving Tool Many people view their Credit Score as a complex, frustrating, “Necessary Evil.” Just when you think you understand your score, it drops a few points, leaving you confused and right back where you started. This is not the Read More »... Read more ›
Company Incentive Trips Driving home from work one afternoon I received a cell call – it was Jeff, the Co-Founder of our company, Box Home Loans. Of course, my first thoughts were those of guilt and responsibility… “Now what did I do?” “What did I forget?” My silly fears were quickly put to rest when Read More »... Read more ›
Private Mortgage Insurance Private Mortgage Insurance is designed to protect the Mortgage Lender in case the borrower defaults on the loan. It provides protection in the event of a foreclosure of the property in which the Lender had financed more than 80% of the home’s value. In the event the borrower has defaulted on the Read More »... Read more ›
About Home Loan Closing Costs When you get a home loan you will need to pay what is known as mortgage closing costs. They are basically fees charged by lenders and third parties that relate to the purchase of your home. This is an additional cost on top of the down payment, and home loan amount. Read More »... Read more ›
Want To Buy A Home…. But What If My Credit Is Frozen? You should know by now if your are looking to buy a home, that having good credit is a HUGE factor. If you are actively seeking a loan from Box Home Loans, you should understand that the procedures involved in lifting a security Read More »... Read more ›
Flood Insurance I’ve often wondered about my hometown, Springville UT, since I’ve heard of a flood that happened decades ago when hobble creek (a creek which runs through the middle of the town) overflowed and flooded most of the town. If I owned a home in Springville, would I be required to purchase flood insurance? Read More »... Read more ›
Considering a Refinance? In the 1980’s and 1990’s interest rates of 8-10% were commonplace. Over the years’ rates have dropped, and in 2012 we saw rates go as low as 3.35% and lower in some cases. What if you kept that rate of 10%, and never took advantage of the opportunity to lower it? You would have Read More »... Read more ›
Mortgage Escrow Prepaids include: We wish (like you) that escrow funds from a previous mortgage could simply be ‘rolled over’ into your new m escrow account, but unfortunately it doesn’t work that way anymore ever since the Dodd/Frank Act took effect. Understanding mortgage escrow prepaids can be tricky… but we’ll help you get a better understanding, Read more ›
