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What is PMI?

For many people, especially first-time homebuyers, it can be quite challenging to come up with a 20 percent down payment to purchase a home. Luckily, when it comes to Conventional loans, there is a solution: private mortgage insurance, or PMI. When putting down less than 20 percent of the appraised home value or sale price, … Continue reading What is PMI?

Pre-Qualification vs. Pre-Approval

As you’re going through the process of purchasing a home, you will undoubtedly come across the terms “mortgage pre-qualification” or “mortgage pre-approval” or maybe even both. What does it mean to be pre-qualified or pre-approved, and what’s the difference between them? Similarities Between Pre-Qualification and Pre-Approval According to the Consumer Finance Protection Bureau, pre-qualification and … Continue reading Pre-Qualification vs. Pre-Approval

The Florida Bond Program

Looking for a way to make purchasing your first home a little bit easier? The Florida Bond Program allows first time homebuyers to acquire a variety of different loans (FHA, USDA, VA, or Conventional) ranging from 95% to 100% loan-to-value ratio. This means that many homebuyers will be able to secure low interest financing through … Continue reading The Florida Bond Program

Understanding Home Equity

Put simply, home equity is the part of your home’s value that you own outright. When you have a mortgage, you don’t own the entire home until the mortgage is completely satisfied. Until then, your mortgage lender has an interest in your home as well. As you pay off your mortgage, your equity grows and … Continue reading Understanding Home Equity

The Advantages of FHA Mortgages

Many first time homebuyers have a difficult time coming up with the large down payment necessary for a conventional mortgage, or lack the strong credit history required to secure financing. Luckily, a mortgage insured by the Federal Housing Authority (FHA) is a great alternative, as they do not have the same strict requirements. The basic … Continue reading The Advantages of FHA Mortgages


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