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Tips, advice, insights, and trends from our mortgage industry experts.

Mortgage Wise with Mike Wise | New Series

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...

What Documents Will I Need When Applying for a Mortgage Loan?

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

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?

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

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

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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