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Tips, advice, insights, and trends from our mortgage industry experts.
Mortgage Wise with Mike Wise | New Series
Welcome to Mortgage Wise! We're excited to bring you Mortgage Wise with Mike Wise at Capstone...
Mortgage Wise with Mike Wise | New Series
Welcome to Mortgage Wise! We're excited to bring you Mortgage Wise with Mike Wise at Capstone Direct - a series about the basics of home mortgages, the mortgage market and industry, and the diverse ways that mortgages can fit into an individual’s broader financial...
Debt to Income Ratio (DTI): What You Need to Know
With housing prices increasing and rates trending upward, many borrowers are seeing their debt to income (DTI) ratio go up because their projected housing payment is now higher than what it was going to be 6-12 months ago. But there are some ways as loan officers we...
Major Gifts from Relatives: What You Need to Know About Buying a Home
Some of the gifts we’re given by aging family members are a sense of ethics and an ambition to be successful in both our careers and in raising a growing family. We may also be left with a more tangible gift, and it enables us to invest in our future as well as those...
Homeownership on a Minimal Down Payment: FHA, HomeReady, and VA Loan Options
It’s no surprise that the economy in 2017 is far from perfect. It’s even less of a surprise to Southern California residents that despite stagnant or even shrinking salaries, the cost of homeownership has risen dramatically. The Los Angeles Times reported that for the...
What Documents Will I Need When Applying for a Mortgage Loan?
Got your eye on a new home? Better start gathering your papers… You may be excited about the prospect of moving to make a fresh start, or even perhaps becoming a homeowner for the first time, but it’s also understandable if you’re anxious. The mortgage loan process...
With Housing on the Rise, This is the Perfect Time to Buy
According to recent data from the US Commerce Department, homes are being built across the US in rapid fashion, and they are being bought up equally as quickly. In fact, the data shows that the housing market is heating up to speeds not seen in thirty years. What Does...
What Does Trump’s Suspension of Obama’s Mortgage Fee Cuts Mean?
One of newly-inaugurated President Trump’s first executive orders in office was to suspend the FHA mortgage insurance premium cut that outgoing President Barack Obama ordered in his final days in office. The cut would have reduced the amount of money borrowers pay in...
Housing Starts Hit 9 Year High as New Home Construction Skyrockets
For a while, the job outlook for carpenters seemed rather bleak. With the past few years' tough economic situation, most people didn’t have the extra money to even make simple repairs to their existing homes, let alone consider building a new one. Well, it’s a good...
VIDEO: The Importance of Pre-Approval for Home Loans
One mistake a lot of first-time homebuyers make is finding the home they want before ensuring they can get their home loan. The best process is the exact opposite: get pre-approved for the loan, then see what's available!
7 Myths About Refinancing, Clarified For You
Refinancing can be a pretty big deal -- it’s a home loan involving another home loan, so of course it can make a homeowner anxious to think about. But there are some perpetuated myths that we need to clear up. Hopefully, if you’ve been blocked from refinancing by...
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