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Documents Your Mortgage Provider Needs To Get You Approved

November 2, 2017 by jWeb Media

Before you begin the process of purchasing a home, you must first prove that you are responsible and capable of paying off the loan you take out. As such, lenders are obligated to collect specific documents to review before they begin approving your application for a home loan.

Filed Under: Blog, Home Buyers & Home Sellers, Mortgages & Home Loans Tagged With: credit score, financial records, loan approval

How Mortgage Rates Are Determined

July 27, 2017 by jWeb Media

If you are shopping for a mortgage to buy a home, or looking to refinance the mortgage you currently have, how can you estimate how much you will be paying in mortgage rates? After all, it is what determines how much you will be paying each month. A number of factors determine how your mortgage […]

Filed Under: Blog, Mortgage Rates Tagged With: credit score, debt to income ratio, Kansas City Mortgage Rates

Factors Lenders Should Consider When Evaluating Applicants

June 29, 2017 by jWeb Media

Getting the right applicant approved for a Kansas City home loan is a lengthy, detailed process. As a lender, you will need to review their mortgage application carefully, along with a myriad of other documents, in order to determine if they are low-risk and able to repay the loan. Here are the factors you need […]

Filed Under: Blog, Mortgage Companies, Mortgages & Home Loans Tagged With: credit score, kansas city home loan, mortgage application

The Impact Of Credit Bureaus No Longer Collecting Tax Lien & Civil Judgement Info

June 15, 2017 by jWeb Media

Beginning July 1, 2017, credit bureaus like Equifax, TransUnion, and Experian will no longer collect tax lien and civil judgement information in order to calculate credit scores – especially if the information doesn’t provide complete details on the consumer like their name or date of birth, and public records aren’t checked for updates every 90 […]

Filed Under: Blog, Mortgage Companies Tagged With: civil judgments, credit score, tax lien

3 Ways to Establish Credit When Your Score Is Bad

February 24, 2017 by jWeb Media

Boosting your credit score can sometimes be no easy feat. If you find that your credit score is poor, don’t panic. With the right methods and a little patience, there are ways to make your score better. Get a Secured Credit Card Using a credit card the right way will help you establish a positive […]

Filed Under: Blog, Mortgages & Home Loans Tagged With: credit score

What is a Non-Performing Loan?

March 11, 2016 by Cornerstone Mortgage

You have borrowed some money for a Kansas City home loan, but have found that you are unable to make scheduled payments. So you put off the payments until you discover that you’re 90 days past due and the loan has become non-performing. What does it mean for you and how can you avoid it?

Filed Under: Mortgages & Home Loans Tagged With: credit score, non-performing loan, title insurance

What is a Conforming Loan?

February 3, 2016 by Cornerstone Mortgage

As a loan officer, you should be aware of your borrower’s needs and the best options for them when they come to you for a home loan. It’s your job to give them choices that work with their financial situation, and conforming loans will be one type of financing that you will see very often.

Filed Under: Mortgages & Home Loans Tagged With: conforming loan, credit score, government sponsored entity

How to Appeal to a Homeowner

January 29, 2016 by jWeb Media

When you buy a home, you know that you need a good credit score, will be more likely to seal the deal if you buy in cash, among other things. While having a good financial situation is definitely a perk, it’s not everything you need to appeal to a homeowner selling their home.

Filed Under: Mortgage Companies Tagged With: buying a home, credit score, pay in cash

Know the Difference: Credit Score vs. Credit Report

January 8, 2016 by Cornerstone Mortgage

In a previous blog, we discussed how your employer can use your credit report, but the myth that they can check your credit score is still pervasive. The reason this myth won’t die is because people still tend to use the terms credit score and credit report interchangeably. We’re here to clear up the difference.

Filed Under: Mortgages & Home Loans Tagged With: credit report, credit score, kansas city home loan

Mortgage Application Timeframes Differ After a Foreclosure

December 2, 2015 by jWeb Media

Many people who have gone through the foreclosure process wonder if they will ever able to buy a house again. While a foreclosure can be a big blow to your credit score, you may eventually be able to get another mortgage, but you’ll have to wait. The amount of time you must wait before applying […]

Filed Under: Blog, Mortgage Companies Tagged With: credit score, foreclosure

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© 2018 · Cornerstone Mortage, Inc · Sitemap ·
Guild Mortgage Company is an Equal Housing Lender; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. OR ML-176;Georgia Residential Mortgage Licensee; GA #6268; NV Banker #1076/NV Broker #1141; AZ BK #0018883; Licensed by the Mississippi Department of Banking and Consumer Finance. Illinois Residential Mortgage Licensee. Kansas Licensed Mortgage Company. Rhode Island Licensed Lender. Licensed by the New Hampshire Banking Department. http://www.nmlsconsumeraccess.org/ Company NMLS ID 3274. All information, loan programs & interest rates are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5898 Copley Drive San Diego, CA 92111 |State of Missouri Principal Location: 11730 Fenpark Drive, Suite 1003, Fenton, MO 63026.Brought to you by Jweb Media.

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