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Credit Scores & Your Financial Health

Credit Scores & Your Financial Health So we hear a lot about this infamous score and how it can affect our future financial abilities – but what is it really, and how does it come about? First of all, a credit score is an entirely different beast than a credit report. A credit report is Read More »... Read more ›

Credit history
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Temporary Leave Loan Qualification

Temporary Leave Loan Qualification Temporary leave from an employer may encompass various circumstances (e.g. family and medical, short-term disability, maternity, other temporary leaves with or without pay). Under no circumstances should any medical documentation be required or any inquiry regarding the nature of the disability be made. Temporary leave may vary in duration. The period Read more ›

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Why Mortgage Rates Fluctuate

Why Mortgage Rates Fluctuate Mortgage interest rates fluctuate a bit differently than other, shorter term consumer loan rates. Credit cards, personal and auto loans typically fluctuate with lender cost of funds and prevailing short-term market rates. Mortgage rates change with the national economy strength or weakness, economic forecasts, Federal Reserve controls of the money supply Read more ›

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So You Want to Refinance?

Take advantage of low interest rates 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 Read More »... Read more ›

Cash out refinance

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Why Does My Lender Need to Document Everything?

Why Does My Lender Need to Document Everything?  “What’s with all the documentation?” or “Aren’t my pay stubs enough? I make plenty of money and have more than enough assets!”   Are common questions I hear from borrowers.  You show us your paystubs, and then you get a mortgage, how great would that be?!  We like Re... Read more ›

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Long-Term Disability Income to Qualify for a Loan

Does Box Home Loans accept disability income when qualifying for a loan? Yes! Here at Box Home Loans, we have the following verification requirements when using disability income: Verification of Disability Income  We will need to verify the amount of disability payments that will be received from the benefit statement. Then determine how long the Read more ›

Rate Quote Hassle

Instant quote I had been told before that getting a rate quote with companies other than Box Home Loans would be difficult. But I didn’t really understand what they meant until trying it for myself. I’m 22 years old and have a steady girlfriend, we’ve been thinking about marriage recently. Naturally, we thought about where Read More »... Read more ›

Financial Technology Rules

Box Home Loans is different. We like simplifying things for our borrowers and helping them have the best mortgage experience. One of the ways we do this is by our automated system. We invested heavily in our technology to make it faster, simpler, and easier. Our automated system helps our customers from day one. When Read More »... Read more ›

What is the FCRA?

The Fair Credit Reporting Act (FCRA) ensures that consumer reporting agencies conduct reporting activities on your credit report with accuracy, fairness and impartiality while protecting your right to privacy. This act imposes strict guidelines to regulate the reporting agencies that provide your reports. As well as the people who furnish the information to the agencies. Read Mo... Read more ›

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