Little-Known Ways to Improve Your Credit Score
How to Improve Your Credit Score
Overview
Developing a solid credit history takes time. Nothing can create a dramatic overnight jump in your credit score but there are tools that can help you ensure you’ll help your score climb.
Read up on sure-fire steps to improving your credit score and reaping the benefits of a higher score – like lower interest rates and payments! Then check out FHA home loan...
Your Credit Score, Explained
What is a Good Credit Score?
Overview:
Learn the basics of credits scores and what they mean to your financial situation. Find out which part of your credit report can affect your interest rate. Then, read up on home loans that fare well in even low credit climates, like FHA and USDA Programs..
Your credit score is also known as your FICO score. FICO stands for Fair Isaac Corporation – the company...
What You Should Know About Your Credit Report
What Your Credit Report Says About You
Overview
Your credit score is one of the most important factors in determining if and how you qualify for a mortgage. But if your credit isn’t perfect, you still have safe, secure loan options that don’t rely so heavily on your credit score, like FHA.
So who compiles your credit report? A credit bureau (also called a credit reporting agency) gathers,...
Mortgages with Low or No Down Payments
Overview
No and low down payment loans require little or no cash from the buyer at the loans closing.
While Private Mortgage Insurance is generally required on any loan with less that 20% equity in the home, some mortgage programs like “Lender Paid MI” allow you to lower costly mortgage insurance.
Low down payment programs like FHA, VA and USDA can be a good idea for first time home buyers or...
Busting Myths About Interest-Only Mortgages
Interest-Only Mortgages: The Facts
Overview
You’ve heard about interest-only mortgages for years. But do you really understand what they are and who should consider them? Is an interest-only loan right for you?
Separate myths from facts and learn how the security of a fixed rate of an interest-only home loan might benefit you.
An interest-only loan is one that gives you the option of paying just...
FHA Loans Help You Buy a House… Your Home
FHA Loans for Home Buying
Overview
FHA loans are great for first-time home buyers. Only a 3.5% down payment required. FHA is a perfect choice for those with lower credit or incomes.
The FHA Loan Program is the quick way to go FHA. We at The Canto Team makes the FHA loan process painless. It’s why we were the first online mortgage company to be FHA approved!
What exactly is an FHA loan?
Good...
First Time Home Buying Mistakes
Overview
Keep close tabs on your credit by checking it at least once a year. One thing you should do when buying a home for the first time is to find a lender who you’re comfortable dealing with.
Getting a mortgage before you shop for a home will save you lots of time and will make sellers that much more likely to accept your offer over others.
Buying a home can be a confusing and complicated...
Closing Costs and Fees Explained
Overview
Buying a home? Mortgage closing costs are what you pay to close your loan application.
Where do they go? Some costs and fees go to third parties, some are state and local government fees that must be covered and some go to your lender.
Mortgage closing costs are fees charged for services that must be performed to process and close your loan. At the time you apply for a loan, lenders are required...
With 11 years in the lending industry, Ted is proficient in structuring the client’s loan to ensure that the client obtains the best financing. He has become a recognized leader in real estate education and hosts real estate seminars for his clients and the business communities in the Southwest. His attention to the details and in-depth knowledge of the loan process ensures that you are getting the best service possible.
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