Mortgage Blog

a mortgage broker helping a couple with a loan application process

Mortgage Broker vs. Lender: Knowing the Difference

When people secure a conventional mortgage, one common point of confusion is the difference between mortgage broker vs. lender. While both these professionals help borrowers obtain a loan for a property, each has different roles and responsibilities to bring to the table. Basically, a mortgage broker in the US acts as an intermediary who helps …

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ledger, calculator, and bank notes, indicating a person calculating debt to income ratio

What Is Debt to Income Ratio (DTI)? How Does It Affect Mortgages?

When you apply for a home loan with a mortgage broker in the US, one factor they use when determining your eligibility is your debt-to-income ratio (DTI). Most lenders will evaluate your financial health, and this number represents your ability to repay the money you plan to borrow. If it’s your first time taking out …

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consulting with a broker about loan-to-value ratio

What is a Loan to Value Ratio (LTV)? How Does it Affect Mortgages?

The Loan-to-Value (LTV) ratio is a key metric that impacts your mortgage terms and overall investment strategy. As a real estate investor, understanding the financial aspects of your investments is crucial. Let’s explore what a Loan-to-Value ratio is, how it affects mortgages, and why it matters to investors like you. We’ll also discuss ways to …

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30-year mortgage

What Is the Main Benefit of 30-Year Conventional Mortgage for Savvy Real Estate Investors?

The main benefit of a conventional 30-year mortgage is the lower monthly payment compared to other fixed-rate mortgages with shorter terms (like 15 or 20 years). As an investor with a keen eye for opportunity, you want to secure a 30-year conventional loan and unlock the long-term stability you crave. How Does a 30-Year Conventional …

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home equity loan vs refinance

Unlocking Your Investment’s Potential: Home Equity Loan vs. Refinance

As a smart real estate investor, you constantly seek opportunities to grow your portfolio and increase your profits. Tapping into your existing property’s equity can be a powerful strategy to fuel your investment goals.  You have two main options to access this equity: a home equity loan and a cash-out refinance. Diversify investments across different …

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