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What Happens If My Mortgage Pre-Approval Expires?
Any homebuyer will benefit from a mortgage pre-approval, a document stating the loan amount you can be approved for. These documents make you look reliable to sellers, but you have a due date to work with. You may wonder, “What happens if my mortgage pre-approval expires?” Altitude Home Loans is here to explain this process. […]
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What Is a Conforming Loan and How Does It Work?
When you’re in the market to buy a home, you’ll typically come across various types of mortgages, including FHA, USDA, VA, and conventional/conforming loans. Among these, conforming loans are the most common, and for good reason. But what is a conforming loan? Altitude Home Loans, one of the top-rated mortgage lenders in Tucson, AZ, delves deeper into […]
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Can You Skip a Mortgage Payment?
When struggling to pay your bills and make ends meet, finding ways to cut expenses may require sacrifice and creativity. In dire circumstances, you might wonder, “Can you skip a mortgage payment?” While it’s certainly possible to miss a mortgage payment and keep your home, not making the monthly payment can have significant consequences for […]
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How Many People Can Be On a Mortgage?
There are plenty of reasons a pair may want to co-own a property’s mortgage, whether they’re partners or just roommates. They may even want several people to take responsibility for the home’s mortgage repayments, but what are the rules about how many people can be a mortgage at once? For the curious and those wanting […]
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Can You Roll Closing Costs Into Mortgage?
When you save money to buy a home, that cash must cover more than the down payment. You also need to plan for the closing costs of the loan, which include the fees and expenses of issuing the loan. In most cases, these costs equal 2% to 5% of the loan amount, which has many […]
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Benefits of Working with a Local Mortgage Lender
Buying a home means making several decisions — and not just about finding the perfect property. Choosing the right people to guide you along the path to homeownership also matters, as they’ll ensure you get the best information, service, and insights. Your home buying team includes your mortgage lender, and you need one who wants to be […]
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What Is an Origination Fee on a Mortgage?
One of the first things you’ll learn when buying a home is that the mortgage application process comes with several different steps and, unfortunately, fees. One of these is the origination fee. As the best mortgage lenders in Tucson, Arizona, Altitude Home Loans knows that homebuyers tend to have a lot of questions about the mortgage […]
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What Is a Mortgage Credit Certificate?
Buying a home is an investment. The initial down payment plus closing costs often present substantial challenges for first-time homebuyers. As a result, several programs exist to enhance homeownership prospects for Americans, especially those in the low- to moderate-income bracket. One such program, the mortgage credit certificate, lowers the barrier to entry for those planning […]
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A Guide to Financial Planning for Buying a House
Buying a new home is an exciting time, but it’s also a potentially stressful endeavor for buyers and sellers alike. Being fully prepared could make the process smoother, helping you settle down in that new home much sooner. Are you looking at homes in Arizona or California? Altitude Home Loans is one of the best […]
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How Long Should You Keep Mortgage Statements?
Are you tired of papers piling up and file cabinets overflowing? If you’re looking to minimize your accumulating paperwork, you’re probably wondering, “How long should you keep mortgage statements?” As some of the best mortgage lenders in Tucson, Arizona, Altitude Home Loans wants our borrowers to lead financially secure lives. Keep reading to discover when we […]