How to Get Pre-Qualified for a Home Loan
So you’re getting ready to buy a home, and you want to take the right steps to ensure you get the home you want. What will it take to secure that house? For the best shot, you need a pre-qualified mortgage loan letter. In this article, we walk you through the mortgage application process and how […]
Read MoreHow to Improve Your Credit Score to Lower Your Mortgage Rates
When it comes to many loans, your credit score will determine what you pay. This is true of student loans, car loans, and mortgages. So when you’re buying a home, the higher your credit score, the lower your mortgage rate will be. What’s Considered a Good Credit Score? Your credit score is determined by the […]
Read MoreHow to Avoid Homeowner Scams
Beat the Homeowner Scam Blues Woohoo! You have just unpacked your last box and are ready to start enjoying your new home. But joy can quickly turn to angst if you get burned by one or more of these types of homeowner scams: Financial Scams Do you remember the number of forms, documents, contracts, and […]
Read More2019: Tax Transformation
Many Americans will begin experiencing the effects of the Tax Cuts and Jobs Act of 2017 when they file their annual returns this year. Outside of political characterizations of the bill’s implications, there are changes that affect consumers at different income levels and parts of the country that make it a good idea to seek advice from […]
Read MoreLove for Others
At CIS Home Loans, we realize that we are fortunate to have been given a good job with kind and caring leadership. Living in this fact made us all see the blessings that we had received and moved us, in compassion, to do something to help others. Our “Love for Others” charity began when a […]
Read MoreTips for a Smooth Home Loan Process
Entering into a mortgage can be a relatively smooth process. However, borrower frustrations can arise from delays that could have been avoided. Keep these simple tips in mind to stay on track when applying for a home loan: Complete all required paperwork and avoid leaving unanswered questions Double check all documents for signatures and completeness […]
Read MoreMortgage Checklist: How to Prepare for Your Home Loan Application
You have found your dream home. Woo hoo! Congratulations!! Now it is time to apply for a loan. Finding a home is the fun part…it’s funding the home that is stressful. But it doesn’t have to be that way! Whether it’s a Conventional, VA, FHA, or a USDA loan, CIS Home Loans makes the process as easy […]
Read MoreHurricane Florence & Hurricane Michael Emergency Information
If you are experiencing emergency conditions due to Hurricane Florence or Hurricane Michael, please call 855-279-2162 or email us at servicing@cishomeloans.com concerning the conditions of your property or to discuss possible options should you have property damages and your area is located in a Presidentially Declared Major Disaster Area: Hurricane Florence: North Carolina Counties: Anson, Beaufort, Bladen, […]
Read MoreWho is CIS Home Loans?
WHO ARE WE CIS Home Loans is a full-service mortgage company that helps families achieve their goals of home ownership. We take great pride in our ability to provide industry-leading services to our customers without compromising our small-town ideals. That was our mission when we opened up our doors in 1991, and it remains the […]
Read MoreSix Tips to Help You Qualify for a Home Loan
“There’s no place like home. There’s no place like home!” Have you found the right home for your family, but you are not sure if you qualify for a home loan? The home buying process is complicated and can sometimes be stressful. Preparation is key. Keep these tips in mind to ensure the loan qualification […]
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