How Your Mortgage Rates Are Determined
How Your Mortgage Rates Are Determined Whether it is your first time buying a home or you are searching for the best mortgage rates, it is important to understand how your mortgage rates are determined. You may think your mortgage interest rates are set by the lender, but it’s actually set by market forces beyond… Read More »
Read MoreGuide to Home Loan Lingo
Guide to Home Loan Lingo Whether you’re a first-time homebuyer or a seasoned home buyer, understanding mortgages is an undertaking of its own. Loan language can sound foreign when you’re first dealing with it. Both loan officers and real estate agents will use loan lingo to help guide you through the process. To get to… Read More »
Read MoreHow 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 More »
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 More »
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 More »
Read More14 Myths about Home Mortgages
Pardon the play on words but there really is a lot of myth-information out there about home mortgages. Purchasing your home is one of the largest and most expensive investments you will ever make. Let’s separate fact and fiction when it comes to obtaining financing for the home of your dreams. 14 modern mortgage myths… Read More »
Read MoreOur Home Loan Process + Timeline
Understanding your home loan’s unique timeline can help ease some of the uncertainty and stress that can arise when applying for a mortgage. From purchases to refinances, this basic timeline gives an overview of how the loan process flows. Day 1: Complete Application Received and Initial Disclosures Sent Within three business days of your submitting… Read More »
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 More »
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 More »
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 More »
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