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02/18/2015

Worst Day for Rates in More Than a Year; What's up with Today's Weakness?; Builder Confidence only Mildly Chilled

02/11/2015

Daily Newsletter: Mortgage Rates Approaching 2015 Highs; CFPB Details Reverse Mortgage Complaints; Foreclosures Down 2/3rds from Peak

06/04/2014

Applying For a Joint Mortgage Loan With Your Spouse

When you are ready to buy a home, applying for a mortgage is one of the first and most important steps. For married couples, this usually involves applying for a mortgage loan jointly. This means that the loan will be in both of your names and you will be co-owners of the house.

We don't stop until we get you in your dream home.www.smarterratequotes.com
06/04/2014

We don't stop until we get you in your dream home.

www.smarterratequotes.com

Request a Maryland home loan, mortgage refinance, home equity loan, home, or other loan from network of lenders who compete for your business.

06/04/2014

Mortgage rates for 30-year fixed mortgages rose this week to 4.01 percent, up from 3.99 percent at this same time last week. The 30-year fixed mortgage rate declined early last week, dropping to as low as 3.92 percent on Wednesday before rising to the current rate over the weekend.

02/06/2014

Applying For a Joint Mortgage Loan With Your Spouse

When you are ready to buy a home, applying for a mortgage is one of the first and most important steps. For married couples, this usually involves applying for a mortgage loan jointly. This means that the loan will be in both of your names and you will be co-owners of the house. While it may seem like the obvious thing to do, there are a few situations when applying with only one name might be wise. Here are a few tips on joint mortgage applications.

Is Your Credit Looking Good?

If one of you has a poor credit rating, it could strongly affect your chances of qualifying for the loan and will definitely raise the interest rate even if you do qualify. If the person with poor credit does not make a large sum of money and their income is not required to qualify for the loan, it might make more sense not to apply jointly.

A Financial Commitment

When you apply for a home loan together, you are connecting yourselves financially in a major way. Joint mortgage loans aren’t just for spouses; many life partners also purchase a home together. Just be certain that you are committed to the relationship before you sign mortgage papers. It can make things very complicated later if you don’t.
A joint mortgage is usually a good choice for any couple, because you can combine your income to get approved for a larger mortgage or a better rate. Just bear in mind that there are situations when you are better off keeping the loan in one name only, mainly for financial reasons.

01/13/2014

Mortgage Rates Back to Late November Levels

Mortgage rates continued at lower pace today the longstanding 4.625

01/08/2014

Mortgage rates are up to 4.53% vs 3.33% from about a year ago (Freddie) If Treasury yield breaks higher than mortgage rates will too. Rates are still historically low!

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