www.myhomeloan101.com

• Homepage
• About Us
• Contact Us
• Custom Test
• Employment
• Home Purchase
• Home Refinance
• Legal
• Licensing
• LQB Consumer Portal
• Online Forms
• Pre-Qualify
• Privacy Policy
• Rate Disclaimer
• Test

Mortgage Library

• Loan Process
• Loan Programs
• Mortgage Basics - List of Mortgage Topics
• FAQ
• Mortgage Calculators
• Credit Related Articles
• Mortgage Terminology
• Va Loans
• Mortgage Refinance
• Fha Loans
• Real Estate Appraisals
• Home Foreclosure
• Closing Costs
• Private Mortgage Insurance
• Mortgage Application Checklist
• Credit Report
• Denied Credit
• Credit Scoring
• Credit Bureaus
• What's In My Credit Report?
• Credit Scoring Uses
• Credit Scoring Model
• Improve Credit Score
• Fair Credit Reporting Act
• Credit Scoring Reliability
• VA Loan Benefits
• Multiple VA Loans
• Applying for a VA Loan
• VA Loan Disadvantages
• What is a VA Loan
• VA Approved Properties
• Who is Eligible for a VA Loan
• Refinance Cost
• Refinancing Before Moving
• What are Loan Points
• Late Credit Card Payments
• Choosing Lender
• Finding Best Mortgage Deal
• When to Refinance
• Lock Interest Rate
• Points to Lower Interest Rate
• Credit Impact on Loan Qualification
• Bankruptcy and FHA Loans
• What is an FHA Loan
• Documents Needed for FHA Loans
• What Can I Afford
• Fha Versus Conventional Loans
• Determining Property Market Value
• Another Mortgage Company
• Assisting the Appraiser
• Appraisal Methods
• What is an Appraisal
• Why Get An Appraisal
• Who Owns the Appraisal
• Avoiding Foreclosure
• Temporary Problems
• Long Term Problems
• What is Foreclosure
• Missed Mortgage Payment
• What is RESPA
• What Happens at Closing
• Statutory Costs
• Third Party Costs
• Up Front Expenses
• Finance And Lender Charges
• PMI Cost
• Applying for PMI
• How PMI is Paid
• What Is Pmi
• How PMI Works
• PMI Companies
• History of Pmi
• Cancellation Of Pmi
• PMI and Larger Loans
• VA Loans
• FHA Loans
• Hybrid ARMs
• HARP 2 Refinance
• Balloon Mortgages
• Components Of ARMs
• Reverse Mortgages
• Fixed Rate Mortgages
• Best Program For You
• Interest Only Mortgages
• ARM Commonly Used Indexes
• Adjustable Rate Mortgages
• Graduated Payment Mortgages
• Truth In Lending
• Should I Lock Rate
• Privacy Policy

Blog

• Blog - Understanding the Differences Between Mortgage Insurance and Homeowners Insurance
• Blog - 5 Ways You Might Actually be Sabotaging Your Homebuying Efforts
• Blog - Why You Need a Real Estate Agent When Buying a Home
• Blog - Demystifying Home Loans: The Scoop on Conventional and Non-Conforming Loans
• Blog - Navigating the Mortgage Rate Dilemma: Should You Wait or Buy Now?
• Blog - Balancing Act: The Art of Compromise in Home Buying
• Blog - Navigating Home Buying with Elevated Mortgage Rates: 10 Mistakes to Avoid
• Blog - Don't Wait Another Minute: Here's Why NOW is the Perfect Time to Buy Your Dream Home!
• Blog - Second Time's the Charm: Navigating Your Next Home Purchase
• Blog - The Smart Path to Downsizing: Making the Most of Your Retirement
• Blog - "When Should I Consider a Cash-Out Refi?"
• Blog - Mortgage Partnership: The Power of Co-Signing on a Mortgage
• Blog - Navigating Home Inspections: A Buyer's Guide to Uncovering Hidden Issues
• Blog - Mastering Your Mortgage Journey: The Importance of FICO Score 8
• Blog - Navigating the New Norms: 4 Rules for Home Shopping in Today's Market
• Blog - How Declining Mortgage Rates Are Changing the Real Estate Landscape
• Blog - Navigating Closing Costs with Confidence: 4 Tips to Save on Your Home Purchase
• Blog - Navigating the Mortgage Maze: 10 Crucial Do's and Don'ts After Applying
• Blog - Joint Homeownership: The Essentials of Co-Borrowing on a Mortgage
• Blog - Smart Moves in New Builds: Your Guide to Successful Homebuying
• Blog - Navigating the Renovation Maze: Mortgage Insights for Fixer-Upper Buyers
• Blog - The Homebuyer's Dilemma: To Wait or Act Fast in 2024?
• Blog - Mortgage Insights: Today's Fed Pause and What It Means for Homebuyers
• Blog - Don't Let Rates Ruin Your Home Dreams: 7 Sneaky Ways to Beat High Mortgage Numbers!
• Blog - VA Home Loans: The Path to Achieving Homeownership Dreams
• Blog - Autumn Home TLC: Fall Home Maintenance Made Easy!
• Blog - From Dreams to Reality: How Government Home Loans Make Homeownership Attainable
• Blog - Avoid These Common Mistakes When Buying a Home: Tips for Veterans
• Blog - Rebuilding Your Dream Home: Getting a Mortgage After Chapter 13 Bankruptcy
• Blog - Six Sneaky (and Costly) Warning Signs to Watch for When House Hunting

Loan Officers

• Heather Davidson
• Will Davison
• Craig Goebbel
• Amanda Gonsalves

Social Posts

• Add some peace-of-mind to your homebuying journey.
• Your Guide To Fixed-Rate Home Loan Benefits
• Home buying has gone digital - and so much more convenient!
• April is Fair Housing Month
• We make applying for a home loan fast and enjoyable.
• The Kitchen is More Than a "Work Space." It's a Family Gathering Place.
• Your Guide To First-Time Homebuyer Benefits
• The Journey to Success is Where Growth Happens
• We're here to help turn your dreams into a reality!
• Are you informed on all the points of buying?
• Is A Reverse Mortgage Right For You? Find Out...
• Discover the health benefits of homeownership
• Home Loans 101: What is RESPA?
• Less talk. More action.
• Sometimes the only change that needs to happen is a change in our perspective.
• Find out what local homebuying assistance programs you qualify for!
• 5 Tax Benefits of Owning A Home
• Home Loans 101: What is Escrow?
• Don't take our word for it. Read what others have to say about working with us.
• Your Guide To USDA Home Loan Benefits
• Protect yourself from sudden increases in your mortgage payment.
• Is it a good time to refi?
• Home Prices Continue to Cool in 2023 Making It a Great Time To Buy
• Should You Lock in Your Rate?
• Your Guide To FHA 203k Benefits
• Homebuying Smarts: What Do These Mortgage Terms Mean?
• Pre-approval matters! These are the top reasons to get pre-approved before shopping for a home.
• Join us as we salute our veterans!
• We love helping you rise to the challenge!
• We're the advisors that you trust and grow with. Contact us today and let us know how we can help.
• What does your credit score mean? Find out...
• Home Loans 101: What is Credit Scoring?
• June is Homeownership Month
• When is the best time to get pre-approved for a home loan?
• Can you benefit from a refi? The break-even point is as important as low rates
• A Day of Remembrance
• Wishing you peace, love, and a fresh start in the new year.
• What you need to know about ARMs loans
• To all the moms --thank you for giving us the world.
• Freddie Mac Updates "Related Person" Definition to Expands Gift Fund Options
• Are lack of funds sidelining your homebuying dreams?
• Tips for Finding a Real Estate Agent
• Comparing a 15-year Loan to 30-year Loan
• Home Loans 101: What is an Appraisal?
• Wishing this Thanksgiving finds you with plenty of reasons to give thanks.
• Your next big career move awaits!
• Easy Ways to Add Charm to Your Home
• Home Maintenance Tips for Newbie Homeowners
• Tips For a Pet Friendly Living Space
• Home Loans 101: What are Discount Points?
• Remember to adjust your clocks tonight!
• What is the average credit score needed for a home loan?
• Questions to Ask When Deciding On A Home Loan Program
• Done with estimates and want definitive answers?
• We take the mystery out of qualifying for a home loan.
• Mortgage Update: Compare Today's Mortgage and Refinance Rates
• Create a plan then work the plan.
• Top 6 Reasons to Buy A House Rather Than Rent One
• Talk with a trusted loan advisor and lower your payments
• Simple Ways to Upgrade Your Home Office
• Easy Landscaping Tips For Homeowners
• You Served Our Country. Now It's Our Honor To Serve You.
• 5 Benefits of Working With A Mortgage Professional
• Home Loans 101: What is Debt-To-Income (DTI) Ratio?
• We handle the paperwork so that you can get to the memories!
• A USDA loan can be used to purchase a variety of properties, not just farms.
• Tips for Winning A Bidding War
• Eager to know the benefits of a government-backed VA loan?
• Benefits of Buying a Home Instead of Renting
• We're getting into that sunshine state of mind.
• Celebrate The Holidays
• Are you getting the lowest interest rates possible?
• 5 Roof Maintenance Tips for Homeowners
• Good vibes happen under the summer sun.
• There's Always Room For Improvement
• We make home financing fast, transparent, and enjoyable!
• Home Loans 101: What Does "Principle" Refer To?
• Growth comes from hardships.
• Fast Facts About Low Down Payment Options
• Rent vs. Buy: Why Buying Sooner is Better Than Later
• How to prepare to buy your first home.
• Buying Property With Your 401(k): Your Questions Answered
• It "Pays" To Get A Cash-Out Refi
• Your Guide To Reverse Mortgage Benefits
• Interior Painting Tips for Homeowners
• Low credit score? No problem! Find Your Perfect Home Loan Here
• Home Loans 101: What is Private Mortgage Insurance (PMI)?
• What's a virtual open house in real estate?
• Your Guide To FHA Loan Benefits
• 7 Unexpected Ways To Save For A Down Payment
• We use technology to make home financing faster and more accessible.
• More negotiating power!
• Breaking Down Your Credit Score
• Take The First Step Towards Getting Approved
• Get the Facts about ARMs Loans
• Is getting your borrower approved proving to be a challenge? We can get it done!
• Use These Tips To Determine Whether It's Worth Investing in a Fixer-Upper
• It starts with motivation
• What's the Average Credit Score Needed for a Home Loan?
• Sound Advice For Increasing Your Credit Score
• Welcome Autumn
• You deserve both industry and local market expertise.
• Join us as we pay tribute to the contributions and achievements of American workers!
• The truth about the most common mortgage fears.
• To all the rad dads --Happy Father's Day!
• Let's celebrate National Pet Day!
• How To Decide Between a Refi and Home Equity Line of Credit
• Finding the right loan starts with getting pre-qualified.
• Home Loans 101: What is "Graduated Payment?"
• You can do this and we'll show you how.
• The Rock's Guide to Living Your Best Life: 6 Powerful Lessons
• May all your dreams and wishes come true.
• The Mortgage Loan Process Explained
• HVAC Maintenance Tips for Homeowners
• Your Homebuying Journey Begins With Us
• Let's celebrate our freedom!
• Home Loans 101: What are Closing Costs?
• We're Here to Guide You On Your Path to Buying Your First Home.
• Expert advice at your fingertips, 24-hours a day.
• Renters with Fur Babies: How To Buy a Home You'll Both Love!
• Top 5 Must-Do's for First-Time Homebuyers
• Your New Home is Just Around The Corner and a Click Away!
• Finding the right loan starts with knowledge.
• Daylight savings is about to start.
• 5 Ways a Mortgage Professional Can Save You Money
• 3 Ways to Improve Your Home's Curb Appeal
• Home Equity is Family Wealth that can be Passed on for Generations.
• How Recent Bank Failures May Affect Homebuyers and How to Prepare
• Mortgage Rates DROP in Wake of Recent Bank Failures
• Take This Quiz and Test How Well Do You Know The Homebuying Process
• Home Prices Fell for the 7th Consecutive Month
• Shatter the Biggest Myths About the Current Housing Market with These Eye-Opening Truths!
• How do you know when you've found the right home?
• Boomers are Dominating the Housing Market!
• Fact or Fiction: Buying a Home Without a Real Estate Agent Can Save You Money.
• We're Welcoming Spring Homebuying Season with Falling Mortgage Rates
• Put a Finger Down Homebuyer Challenge
• Savvy Buyers Seize the Moment 30-Year Mortgage Rates Hit Two-Month Low
• Let's Play "This or That" & Discover Your Home Buying Preferences
• New Report Finds Middle-Income Homeowners Gained Over $120K in Wealth from Home Appreciation
• What's the first thing you'll do after getting the keys to your new home?
• See if you should you should rent or buy in the current real estate market with this quiz
• Say Goodbye to Rent: DPR Report Shows More Homebuyer Assistance Resources!
• The Fed's Latest Interest Rate Increase: What it Means for Mortgages and Credit Cards
• 7 Irresistible and Smart Reasons Why You Should Buy a House By Summertime
• US Mortgage Rates Inch Downward For Second Week in a Row
• Take Our Homeshopper's Quiz to Find Out if Suburbs, City, or Rural Living is Your Perfect Match
• The Truth About Home Prices: Are They Really Dropping or Climbing?
• The Hidden Superpower of Homeownership For Boosting Your Kids' Success
• Unlock Affordable Homeownership with these 5 Creative and Budget-Friendly Solutions
• Is Inflation Affecting Your Homebuying Plans? Let's Break It Down!
• Homebuying Jitters? Let's Play 'Never Have I Ever' and Crush Loan Fear!
• Don't Miss Out: Apply for Your Home Loan Today Before Rates Climb Higher
• Honoring Memorial Day
• Affordable Homeownership: Discover the Benefits of FHA-Approved Condos
• Think Outside the Barn: Creative Uses for Zero-Down USDA Home Loans
• Market Shift: Mortgage Rates Dip After Weeks of Upward Trend
• Homebuyers Catch a Break as Investors Ease Off
• Fed's Keep Interest Rate Steady But Drop Hints of Future Rate Hikes
• Mortgage Rates Edge Lower as Federal Reserve Pauses Rate Hikes
• FHA Loans Unmasked: Debunking Myths & Opening Doors for All Buyers
• Double Delight: Mortgage Rates Drop as New Housing Construction Surges
• The Weird Secret Behind New Homes Being More Affordable Than Old Ones—and Where to Find Them!
• Mortgage Rate Update Plus 7 Clever Tricks to Score a Lower Rate NOW
• Let's Talk About What's Really Going On With Rates and Home Prices
• Does 'Buy Now, Refinance Later' Really Work?
• Prioritizing Location, Size, Condition, or Price—What Would You Compromise in Your Home Search?
• Mortgage rates acting spicy, but we've got some cool news for homebuyers like you!
• Trending Now: Mortgage Rates Hit a Low --Prospective Buyers, Don't Miss Out!
• 5 Amenities to Skip for a More Budget-Friendly Home Purchase
• Watch Out! These 6 Little White Lies Can Sabotage Your Mortgage Approval
• Don’t Believe the Hype, Homebuyers! You Hold More Power Than You Think
• Recent Mortgage Rate Hikes: The Tea on What It Means for Homebuyers
• Are 'What Ifs' Holding Your Homebuying Dreams Hostage? Let's Get Real!
• Rising Rates? Don't Sweat It! 3 Reasons Why Now's the Hottest Time to Snag Your Dream Home
• Homebuyers! Test Your Credit Card "Buy-Q" with Our Quiz!
• Breaking: What's Behind Inflation's Comeback and Potential Affect Mortgage Rates?
• Unbelievable But True: Homeowner Wealth Is 40x Higher Than Renters and Here's Why
• Market Update: Builder Sentiment Takes a Hit – Your Chance to Shine!
• Beyond the Clouds: 3 Bright Insights That'll Change How You See the Current Housing Market
• 7 Habits That Highly Effective Homebuyers Swear By
• Homebuying Hazards: Are You In Danger of Making These Costly Mistakes??
• ICYMI: FHA's Surprising Updates for Affordable Homebuying!
• Neighborly Insights: 5 Must-Ask Questions to Pose to Your Future Neighbors
• Mind-Blowing Stats: Americans $30 Trillion Home Equity Goldmine –Don't Miss Out!
• Get Mortgage-Ready: Freddie Mac Unveils All-New Student Loan Rules!
• Plot Twist!! The Surprising Reason Why More Homes May Be Hitting the Market
• Stay Calm and Buy On: How High Mortgage Rates Can Actually Work in Your Favor!
• Breaking: Federal Reserve Halts Rate Hikes, Impact on Homebuyers and Borrowers
• Credit Score Game-Changer: CFPB's Plan to Wipe Medical Bills Off Your Report!
• Fannie Mae's Bold Move: New Program Opens Doors for Latino Homeownership!
• 2023 Real Estate Scams: How to Spot and Stop Scammers in Their Tracks
• Homebuyers, You Won't Believe What Helps During High-Interest Times!
• Market Trends: ARM Loans Reshape Homebuying Landscape - Are You In?
• Breaking: WH Announces $10 Billion in First-Time Homebuyer Assistance
• 3 Clever Tips to Build a Down Payment (Beyond Ubering!)
• The Path to Well-Being and Wealth: The Power of Homeownership for Your Family!
• Beware of these Mortgage Monsters: Tips for Homebuyers
• Rate Update: Lowest Mortgage Rates in Weeks -Time to Make Your Move!
• Assumable Mortgages in a High-Interest Market: Are They Really Your Best Bet?
• Mortgage Rates Slide: Potential Savings of $20k Await Homebuyers
• Breaking: Freddie Mac Reports Another Drop in Mortgage Rates!
• Renting to Owning: Fannie Mae's Program Extends, Elevates Credit Scores
• Rate Update: Mortgage Rates Drop for the Third Week
• Stuff Your Savings, Not Just the Turkey: Saving Tips for Your Downpayment Fund
• Long-Term Mortgage Rates Slide Ahead of Thanksgiving!
• 2024 Real Estate Predictions: Your Guide to Snagging Your Dream Home!
• Continued Decline: Mortgage Rates Hit Fifth Straight Week of Decrease
• Missed the Boat on Low Rates? Fear Not! Here's Why Buying NOW Could Be a Great Opportunity
• Mortgage Rates Tumble, Here's What You're Missing!
• Breaking: Mortgage Rates Dive to Near 7%
• Exclusive Report: Rates Fall, Home Values Dip --What You Need to Know!
• Fed Signals 2024 Rate Cuts - What You Need to Know!
• Rate Update: Mortgage Rates Take a Dive Below 7%!
• Forecasting Mortgage Rates: How the Fed Shapes Your Homebuying
• Mortgage Mistletoe: Test Your Holiday Mortgage Savvy!
• New Year, New Home: 6 New Year Resolutions for Future Buyers
• New Year, New Home: 6 New Year Resolutions for Future Buyers
• Breaking: Mortgage Rates Plummet -Lowest Since May!
• Housing Market Predictions for 2024: What Homebuyers Should Know
• Revealed: The Sneaky Myths Keeping You from Owning Your Own Home!
• Snag Your Dream Home in 2024: Why Acting Fast Matters in a Dynamic Market
• Inflation Alert: Don't Miss Out! The Clock is Ticking on Affordable Mortgage Rates
• The Hidden Benefits of Buying a House That No One Tells You About!
• Bidding Wars? The Pre-Approval Hack Every Homebuyer Needs to Know!
• Mortgage Rates Plummet to Lowest Levels Since May 2023 --Act Fast!
• Alert! 2024 Housing Market Shift: Your Chance to Save!
• Say Goodbye to Rent: Latest Report Shows Home Affordability Improves!
• 30% More Houses on the Market - Why 2024 Could Be YOUR Year to Own a Home!
• ECONOMIC BOOM or BUST? Fed's Latest Stance on Interest Rates
• Mortgage Rates Dip – What You Need to Know for Your Homebuying Plans!
• Ready to Own? Freddie Mac Unleashes $2,500 Homebuying Credit!
• Love at First Home: The Surprising Connection Between Homeownership and Romance
• Let's Go! - How Super Bowl Fever Fuels Your Homebuying Dreams
• 1% Rate Dip Got You Tempted? Here's How to Know if a Refi Makes Sense for You!
• Home is Where the Heart Is: Valentine's Day Edition
• Pocket Guide to Buying Sight Unseen: Tips & Insider Secrets!
• Turn Your Home into a Cash Cow with These Equity Tricks
• Breaking: USDA Slashes Mortgage Rates -Your Rural Dream Home Awaits!
• Spring Market Surges: Home Inventory Hits Record High!
• Looking Ahead: Will Mortgage Rates Plunge After Fed Meeting?
• Neighborhood Navigator: 10 Questions to Find Your Perfect Place
• Experts Predict Spring 2024 Will Be the Biggest Real Estate Season Yet!
• Home Values Defy Recession: Surprising Surge Reveals the Ultimate Investment Power!
• Breaking News: Major Legal Settlement Shakes Up Homebuying - Here's How It Affects You!
• Where Are Home Prices Headed in 2024? Our Take...
• From Single to Homeowner: How Women Are Taking Charge in the Housing Market!
• Balancing Your Home Budget: 6 Crucial Lifestyle Factors to Consider When Buying a Home
• Balancing Your Home Budget: 6 Crucial Lifestyle Factors to Consider When Buying a Home
• Trending News: Rates Climbing Slowly, But Still Below 7% – What's Next?
• Trending News: Rates Climbing Slowly, But Still Below 7% – What's Next?
• Stop Wasting Time! Here's Why You Need a Real Estate Agent to Find Your Dream Home
• Stop Wasting Time! Here's Why You Need a Real Estate Agent to Find Your Dream Home
• Maximize Your Tax Refund: 4 Ideas to Fast-Track Your Homeownership Dreams!
• Maximize Your Tax Refund: 4 Ideas to Fast-Track Your Homeownership Dreams!
• Breaking: Historic Supreme Court Ruling Crushes Outrageous Development Fees!
• Breaking: Historic Supreme Court Ruling Crushes Outrageous Development Fees!
• The Hidden Costs of Renting with Pets—And Why You're Better Off Buying!
• The Hidden Costs of Renting with Pets—And Why You're Better Off Buying!
• You Won't Believe How Much Equity the Average Homeowner Has in 2024!
• You Won't Believe How Much Equity the Average Homeowner Has in 2024!
• Homebuyers Beware: Mistakes That Could Cost You the House!
• Homebuyers Beware: Mistakes That Could Cost You the House!
• What Does the Fed's Latest Decision Mean for Your Mortgage Rate?
• What Does the Fed's Latest Decision Mean for Your Mortgage Rate?
• Insider Tips: How to Snag Your Dream Home in Half the Time!
• Insider Tips: How to Snag Your Dream Home in Half the Time!
• How to Score Your Dream Home on a Gen Z Budget
• How to Score Your Dream Home on a Gen Z Budget
• Rate Update: Understanding This Week’s Dip in Mortgage Rates
• Rate Update: Understanding This Week’s Dip in Mortgage Rates
• Speedy Solutions: Securing Your Home Equity Loan in Record Time
• Speedy Solutions: Securing Your Home Equity Loan in Record Time
• 5 Things You Can Still Control in Today's Wild Housing Market
• 5 Things You Can Still Control in Today's Wild Housing Market
• Will Mortgage Rates Keep Falling? See What Experts Predict!
• Will Mortgage Rates Keep Falling? See What Experts Predict!