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 ›
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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 ›
Your Credit Score Wow – credit score. This is a whole world of its own. What does it mean to you? In the Lending world it means everything! A credit score is the numeric analysis of a person’s credit file/report. This score determines whether and how you qualify for lending. As I began looking into Read More »... Read more ›
Avoid “Sourcing” and “Seasoned” funds stresses If you’ve applied for a loan recently you’ve probably realized that the mortgage industry is not what it was a few years ago. Seven or eight years ago it was much easier to get a mortgage without much worry of documentation to prove where your funds for closing Read More »... Read more ›
Identity theft is a type of fraud committed or attempted using the identifying information of another person without their authority. Your Identifying information is any name or number used to identify you. Such as: any version of your name, social security number, date of birth, or government issued number like a passport or driver license. Read More »... Read more ›
Shopping for rates! The other day, while shopping with a friend, I walked into the cutest little boutique. I thought to myself, “Geez, if I worked here my entire paycheck would go right back into the store!”. As the cashier rang up my purchase, she agreed with me. Saying she got a job there Read More »... Read more ›
Reasons to Refinance There are a few reasons why people consider refinancing their homes. Understanding the reasons for wanting to do so can help determine if refinancing is right for you. Every household has a different situation and some scenarios dictate the right time to refinance and when it’s smarter to wait. The benefits of Read More »... Read more ›
How much can you afford? This type of calculator is used to determine how much you can afford to borrow. By using this type of calculator you can determine your monthly mortgage payment. Based on what type of interest rate on our mortgage and term of your mortgage. Step 1: Using a mortgage calculator is Read More »... Read more ›
Your credit score means everything in the mortgage lending world. Credit Reports show that close to one in four Americans have never checked their credit report. Never? Are you kidding me? This report contains important information about a person’s credit history and ability to be financially responsible, including credit cards (revolving debt history), mortgages, and auto Read more ›
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WHAT ARE THE ADVANTAGES/DISADVANTAGES FOR EACH MORTGAGE TERM? 30 Year Mortgage: This term is good for those that want to keep their monthly payment low. Keep in mind the older we get the longer we’ll need to work to pay this long term loan off. This can be a disadvantage to those that want to Read More »... Read more ›
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