Mortgage Information
Expert advice and insights about mortgages and financing your home purchase.
Your Savings and Down Payment
Your first step toward buying a home should be determining how much money you have available for down payment and closing costs.
Which ARM is the Best Alternative?
Learn about the 11th District Cost of Funds (COFI) Adjustable Rate Mortgage and why it might be an excellent alternative when fixed rates begin to rise.
Where Does the Money Come From for Mortgage Loans?
Learn how the mortgage industry works behind the scenes and where the money for home loans really comes from.
WHAT'S A FICO®?
Learn what FICO scores are, how they impact your mortgage application, and what factors determine your credit score.
Types of Mortgage Lenders
Learn about the different types of mortgage lenders and how they operate in the real estate market.
The No-Cost Thirty Year Fixed Rate Mortgage
Is a no-cost mortgage loan right for you? Learn about the real costs and benefits of these loans and whether they make financial sense for your situation.
The Biweekly Mortgage - Who Needs It?
Are biweekly mortgage payment services worth the cost? Learn how these programs work and whether you can achieve the same benefits on your own.
Land Contract
Land contracts can be an alternative when conventional financing isn't an option. Learn how they work and the advantages and risks involved.
Items You Need When Applying For a Loan
Be prepared with all the necessary documentation when applying for a mortgage. This comprehensive checklist will help ensure a smooth loan application process.
The Advantages of Different Types of Mortgage Lenders
Different types of lenders have different strengths and weaknesses. Learn which type might be best for your specific mortgage needs.