House to Home

Mortgage Rates Lower, Applications Increase

Posted by Morgan Saylor on 1/16/17 7:30 PM

According to CNBC, mortgage applications have risen as interest rates have eased off.

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Topics: Home Loans, interest rate, mortgage news, Mortgage Market, mortgage rates

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 Math Explained

Posted by Morgan Saylor on 7/26/16 8:30 PM

If math frighten you, as it does many people, don’t let it deter you from the goal of home ownership.

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Topics: Loans, Mortgage, Home Loans, Home Buyer, how-to, down payment, home buying, mortgage math, monthly payment

All About Co-Signers

Posted by Morgan Saylor on 6/6/16 7:30 PM

If you’re considering buying a home but don’t know if your application with your info alone is strong enough – you might be considering a co-signer. Here are a few things you should know…

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Topics: Home Loans, homebuying, co-signer, homebuyer

Your Job, Your Mortgage

Posted by Morgan Saylor on 5/31/16 8:30 PM

Did you know your job has some bearing on your ability to be approved for a mortgage? Truth.

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Topics: Loans, Home Loans, employment

Mortgage Delay Downfalls & Avoiding Them

Posted by Morgan Saylor on 5/26/16 7:30 PM

If you’ve begun the loan application process or are looking into it, you may have heard horror stories about delays in the process. Luckily, with Stockton Mortgage Corporation we work hard to avoid any speedbumps on the way to helping you achieve homeownership status!

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Topics: Home Loans, tips, delays

Credit Woes to Home Loan

Posted by Morgan Saylor on 5/16/16 7:30 PM

If you’re seeking a home loan but having credit woes, you’re not alone! Understanding and striving towards a better credit situation is a path shared by many Americans, as evidenced by a recent Experian survey.

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Topics: Credit Report, Credit, Home Loans, Home Buyer, homebuying

Explanation Letter: Explained

Posted by Morgan Saylor on 5/4/16 8:30 PM

If you’ve begun the process as a first time homebuyer, at some point or another, you could be asked to provide a Letter of Explanation. If it sounds scary – know that it’s not.

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Topics: Loans, First Time Home Buyers, Home Loans, home buyers, letter of explanation

A Look at Home Loans

Posted by Morgan Saylor on 4/29/16 8:30 PM

A Look at Home Loans

If you’re shopping for a home loan, nothing beats discussing loan options with one of our skilled and knowledgeable mortgage bankers at SMC, but knowing types of loans at a glance isn’t a bad idea either.

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Topics: Home Loans, FHA loans, FHA, ARM, USDA loans, VA loans, Home Buyer, loan types, conventional loans

Big Home, Small Lot?

Posted by Amy Patterson on 10/13/15 4:40 PM

According to a recent article by Zillow, homes in the U.S. are growing in size, while the lots on which they sit are shrinking. Data from the late ‘90s shows that the median size of a single-family home in the U.S. has grown by 24% – going from about 2,100 square feet to 2,600 between 1999 and 2014.

However, the lots these expanded homes are sitting on have shrunk by about 10% in the same period – going from 9,600 square feet to 8,600 in the same time frame.

To put this information in an equation that is relative to a specific home size, in 2000, homes had approximately three square feet of lot space per every one foot of indoor home space, however, in 2014, that number dropped to about two square feet of lot per foot of indoor space.

According to Zillow Chief Economist, Svenja Gudell, this trend meets a compromise between builders and homebuyers – specifically, a compromise between what builders can profitably supply (within a close proximity to job hubs) and what homeowners want – bigger homes (and a willingness to accept a smaller lot space).

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Topics: Homeowners, Home Loans, Market, Real Estate, Home Sales, Home Value, Home Buyer, Property, Home Size, Lot Size, Mortgage Market

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