House to Home

Home Buying Power Explained

Posted by Morgan Saylor on 4/3/17 7:00 PM

Want to know the secret to home buying power? Well, there’s no secret. Simply sitting down with your Stockton Mortgage Banker to get prequalified for a loan is the first step to homeownership – but knowing these factors give you the power to unlock your home buying strength! (But if you’re into secrets, here’s one: there are four of them!).

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Topics: Home Buyer, home buyers, DTI, home buying, debt to income ratio, credit score, assets

The Closing Day Wait

Posted by Morgan Saylor on 1/3/17 6:45 PM

The journey to closing a mortgage loan can vary greatly for everyone. Depending on your financial situation, your credit situation, whether or not you’ve owned before, and dozens of other factors play into the mortgage process. However, if your closing is near and you think you see the finish-line, then congrats! But your journey’s not over yet – Zillow’s Brendon Desimone points out a few things that you should know between where you are right now and your closing day.

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Topics: Rates, Home Loans, DTI, closing

Mortgage Acronyms 101

Posted by Morgan Saylor on 4/8/16 7:30 PM

When you go to apply for a mortgage in the first step to becoming a home owner, you may feel like you’ve been dropped off into some remote land where the language is alien to you. You are not alone!


At SMC, we try to keep the jargonish language to a minimum, but somewhere in your home buying journey you may come across some terms and scratch your head in wonder. Luckily, Trulia has compiled a list of commonly used and misunderstood acronyms used in the industry.

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Topics: Mortgage, Banking, ARM, PMI, IO, industry, DTI, acroynms

The Skinny on Student Loans

Posted by Morgan Saylor on 4/4/16 7:30 PM

Student loan debt is a hurdle facing many millennials as they become interested in becoming first-time homebuyers. But is it a hurdle that can’t be overcome? Here’s the skinny on student loan debt and mortgages.

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Topics: Loans, Mortgage, First Time Home Buyers, Credit, student loans, Home Buyer, reduce, DTI, debt

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