When interest rates are on a downward trend, floating your mortgage rate when applying for a new loan could be a smart play! Learn about the pros and cons of floating your rate to see if it could make sense for you.

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Trying to time the housing market, and find the "perfect" time to purchase or refinance your home, is a game that few people win. Instead, if you've been on the fence about whether rates have fallen enough to make homeownership a smart decision, read on to see how lower interest rates can often raise housing costs. 

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With mortgage interest rates still hovering well above the 3% range we were seeing just a few years ago, homeowners might not have refinancing their mortgage at the top of their mind. For those who are carrying a bit more high interest unsecured debt than they’d like to, however, a cash-out refinance might still be a good option to lower your monthly payments and give you a bit more breathing room. 

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FHA loans aren’t the only option available for borrowers who are struggling to afford the purchase of a new home! HomeReady loans are perfect for people who have fairly good credit, but don’t have the cash to put up a 20% down payment. Learn more about the benefits of this alternative to standard FHA loans

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Ever wondered what makes a credit union different than a bank? It's actually very simple - Banks are owned by shareholders, credit unions are owned by you. Because they operate as nonprofit organizations, credit unions can offer a lot of advantages over traditional banks! Click below to read more about how credit unions serve you better, while saving you money at the same time.

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We asked our Mortgage Experts to give us the break down on Fixed Rate Mortgages. Here's what you need to know!

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If you're paying less than 20% down payment on your new home, you'll usually need to pay an additional monthly fee for private mortgage insurance, or PMI.  These PMI fees can add up to hundreds, or even thousands of dollars per year! Read on to see how you can avoid monthly PMI payments with our PMI Saver Program.

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If you're wanting to get ready to actually apply for a mortgage, congrats! There are 3 aspects of your financial history that will need to be reviewed - your income, your assets, and your credit profile. There will also be some info needed about the property you're looking to buy. Read on for more information!

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Getting pre-approved for a home loan is an important step, so it pays to prepare ahead of time. Here are a few things you should consider before applying, and what you'll need to do to ensure your credit score, assets, and income are sufficient to get approved for the kind of home you want to buy. 

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