Liens And Encumbrances: The Difference

Mortgage Basics - 5-minute read

Sidney Richardson - March 12, 2024

Confused about the difference between liens and encumbrances? Check out our guide on liens and encumbrances for the answer and other helpful information.

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What Is An eMortgage?

Mortgage Basics - 4-minute read

Erin Gobler - March 12, 2024

Considering an eMortgage for your home purchase? Learn more about electronic mortgages, how they work and what benefits eMortgages can offer borrowers like you.

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Does Getting Preapproved Hurt Your Credit?

Mortgage Basics - 4-minute read

Dan Rafter - March 11, 2024

Want to buy a house but worried a preapproval will hurt your credit? Read our article to learn about credit inquiries when it comes to the home buying process.

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Deed Of Trust: A Definition

Mortgage Basics - 4-minute read

Victoria Araj - March 11, 2024

A deed of trust is an agreement between home buyers and lenders at the closing of a property. Learn about deeds of trust and how they differ from a mortgage.

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Deed Of Reconveyance: Definition, Process And FAQs

Mortgage Basics - 5-minute read

Hanna Kielar - March 11, 2024

A deed of reconveyance is a document that transfers the property title from the mortgage lender to the borrower. Learn more about how a reconveyance works here.

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Debt-To-Income Ratio (DTI): What Is It And How Is It Calculated?

Mortgage Basics - 8-minute read

Miranda Crace - March 11, 2024

Your debt-to-income ratio (DTI) measures your total income against any debt you have. Learn what a good DTI is, how to calculate it and how to lower it.

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Cost Basis Real Estate: How To Calculate

Mortgage Basics - 5-Minute Read

Hanna Kielar - March 11, 2024

In real estate, the cost basis is the original value that a buyer pays for their property. Read our article to learn about cost basis and how to calculate it.

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When Is Your First Mortgage Payment Due?

Mortgage Basics - 5-minute read

Victoria Araj - March 11, 2024

Your first mortgage payment is always due to your lender within 60 days of your closing date. Get more details about your first mortgage payment after closing.

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When Will Mortgage Rates Go Down?

Mortgage Basics - 12-minute read

Kevin Graham - March 10, 2024

Mortgage rates have been moving up for some time, but interest rates are cyclical. Learn about the indicators for when rates might move down again.

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How Economic Occupancy Can Help You Maximize Rental Income

Mortgage Basics - 4-minute read

Victoria Araj - March 09, 2024

Economic occupancy helps real estate investors understand whether their property’s earnings match its full income potential. Learn more about this key metric.

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What Are Zoning Laws And How Do They Work?

Mortgage Basics - 5-minute read

Sarah Sharkey - March 09, 2024

Zoning laws dictate how a property can or cannot be used within a certain geographical area. Learn about common types of zoning laws and how they work.

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Convertible ARM Loan: Is It Right For You?

Mortgage Basics - 4-minute read

Miranda Crace - March 08, 2024

A convertible ARM loan allows a borrower to change from adjustable to fixed rates after a set time. Discover how this mortgage type works and its pros and cons.

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A Guide To Conditional Approvals For Home Buyers

Mortgage Basics - 4-minute read

Hanna Kielar - March 08, 2024

A conditional approval means your lender will approve your mortgage once you meet certain conditions. Get our advice on how to prepare your loan application.

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What Is Condemnation In Real Estate And What Do Homeowners Need To Know?

Mortgage Basics - 4-minute read

Sarah Sharkey - March 08, 2024

Condemnation in real estate occurs when the government uses its eminent domain authority to take property. Learn what condemnation can mean for homeowners.

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What Is A Co-Borrower? A Beginner’s Guide

Mortgage Basics - 4-minute read

Kevin Graham - March 08, 2024

When you buy a home with a co-borrower, you typically share ownership of the loan and the home. Let’s explore the pros and cons of having a co-borrower.

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How A Fed Rate Drop Affects Home Buyers And Sellers

Mortgage Basics - 6-minute read

Kevin Graham - March 07, 2024

What’s the impact on home buyers and sellers when the federal funds rate drops? Learn how a Fed rate drop impacts interest rates and home loans.

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Clear To Close: What To Expect And What Happens Next

Mortgage Basics - 6-minute read

Victoria Araj - March 07, 2024

Your lender tells you you’re clear to close – what comes next? Let’s take a closer look at what this means and what happens next in the mortgage process.

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What Is Chain Of Title And Why Is It Important?

Mortgage Basics - 4-minute read

Victoria Araj - March 07, 2024

Chain of title represents the complete and unbroken ownership of a property. Learn more about chains of title in real estate and why they’re important here.

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