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Buying a Home with a Low Credit Score

Buying a Home with a Low Credit Score

If you’re considering purchasing a home now or in the near future, but have less than stellar credit – take heart. While it may be more difficult to buy a home, it’s not impossible. There are many programs that offer flexibility for those who do not have a high credit score but may qualify for home financing in other ways. Such programs include Federal Housing Administration (FHA) and Veterans Administration…

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How to Check Your Credit Score

How to Check Your Credit Score

It’s very important to check your credit as the first step in the mortgage process, as your credit history can affect what types of loan programs your lender will offer you. The type of loan will also affect the interest rate you’ll receive. You can get one free credit report each year at www.annualcreditreport.com. If your free credit report does not contain your credit score, you can purchase your credit…

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credit 1024x683 - What is in Your Credit Report?

What is in Your Credit Report?

When you apply for a mortgage or any other type of loan, your lender will ask your permission to obtain a copy of your credit report. What is a credit report? A credit report is a collection of information about your credit history, compiled from many sources and put into one report by consumer credit reporting companies (also known as credit bureaus). Whenever you open a credit card or take…

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Homeowners Insurance Basics

Homeowners Insurance Basics

When you get a mortgage, your lender will require you to have proof of homeowners insurance before you closing. At minimum, your policy will probably need to equal the amount of your mortgage, which may or may not cover the actual cost to rebuild your house. Even if you pay off your mortgage, it is important to have homeowners insurance to protect the equity you have built up in your home….

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Avoid Home Improvement Scams

Avoid Home Improvement Scams

Home owners know that there are always home improvement projects waiting to be done and never enough time to complete them. Whether you are a first-time home buyer looking to renovate a fixer-upper or an established home owner with a list of pending  repairs, scams might not be the first thing on your mind. It is easy to stay one step ahead of any home improvement scam if you know…

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Lower Mortgage Insurance Premiums

FHA Bonanza! Lower Mortgage Insurance Premiums

If you would like to buy a home but saving up for a large down payment isn’t an option, you may want to consider obtaining a mortgage backed by the Federal Housing Administration (FHA). If you already have an FHA loan and you haven’t refinanced in a while, you may be able to reduce your mortgage insurance premiums by refinancing. Benefits of FHA Loans FHA loans offer down payments as…

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mortgage news

Customer Care Food Drive Helps Those in Need

The Customer Care department within Freedom Mortgage Servicing is dedicated to helping borrowers, especially those in need following a hardship. The group’s supportive spirit extended beyond borrowers when they recently organized a food drive to help nonprofits in both Fishers Indiana and South Jersey provide food for children in those communities. Many children in low-income homes receive an average of one meal a day, which generally comes from school. Shaun…

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Four home improvement projects that add value

4 Home Improvement Projects That Add Value

Many homeowners take great pride in their properties and work year-round to maintain their homes and add new amenities. However, it’s all too easy to spend lots of money at the home improvement store on projects that don’t really increase the value of your home. Here are a few home improvement projects that are likely to increase your home’s curb appeal and market price while providing additional benefits. Tip: Make…

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