What Credit Score Do You Need to Buy a Home in South Carolina?
Buying a home in South Carolina is a thrill. The financial side of it? That part can knock the wind out of you. And at the center of it all sits your credit score, that little three-digit number that lenders trust far more than they’ll ever trust your charm. It tells them how reliable you […]
How the Homebuyers Privacy Protection Act Changes Trigger Leads
Apply for a mortgage, and your phone might start buzzing within hours. Lenders you’ve never heard of, calling about a loan you only just started looking into. If that’s happened to you, you’ve met mortgage trigger leads. The practice has annoyed borrowers and muddied the lending world for years. The Homebuyers Privacy Protection Act (HPPA) […]
How Many VA Loans Can You Get in a Lifetime?
Many veterans and active military consider their VA home loan to be a one-time benefit. Such thoughts are shared quite often by our clients from the mortgage brokerage business. Perhaps, you have bought your house some years ago under the terms provided by this benefit, and now think that the next property can be obtained […]
Who is Responsible for a Reverse Mortgage After Death?
Sadly, the loss of a loved one is devastating. To make things worse, sorting through their finances can bring an entirely new level of stress, especially when dealing with a reverse mortgage after death. Our office has received calls from families who worry about what happens to a family home under a reverse mortgage, so […]
Mortgage Insurance vs Homeowners Insurance: Are They the Same?
Becoming a homeowner is always a difficult process. Throughout this journey, you will inevitably find yourself dealing with a whole mountain of paperwork as well as a brand-new glossary of financial terms. Among others, we have noticed two phrases causing a lot of trouble for our clients – namely, mortgage insurance and homeowners insurance. They […]
Can I Pay My Mortgage with My Credit Card?
That sizable mortgage payment has gone out of your bank account, and you might find yourself asking whether there is a smarter way to handle such a thing. At BrickWood Mortgage, we get asked this question pretty regularly by our clients in regard to their monthly payment statements. Their question is whether they can just […]
How Many Home Loans Can You Have?
Having a stable real estate portfolio is a common dream for ambitious property purchasers. After you start acquiring homes and purchase your main property, you may start wondering about the upper limit of your capability to borrow money. We get such questions often at our mortgage brokerage service at BrickWood Mortgage. Clients who successfully purchased […]
How Long Should You Keep Mortgage Statements?
At BrickWood Mortgage, we assist home buyers with various home loan issues daily. Among the most popular queries we encounter relates to the necessary paperwork. After you buy your first house, a constant flow of papers starts to arrive either through the mailbox or by email. Among the most prevalent documents to be expected are […]
What is a 5/1 ARM Mortgage and How Does It Work?
As soon as you embark on your quest to find a home, you will notice the numerous financing options available to home buyers. Although many people go for fixed-rate loans, there is another alternative – adjustable rate mortgages. As mortgage brokers with extensive experience, we at BrickWood Mortgage are well acquainted with both types of […]
When is the Best Time to Apply for a Mortgage to Get Low Rates?
A good mortgage deal can mean huge savings over the lifetime of the loan, and even a small change in the mortgage rate could lead to big savings. Many of our clients wonder whether there is a lucky day or month for submitting a mortgage application. Of course, nobody can accurately predict future developments in […]
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