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How to find the good in a Home Inspection
Get Value from Your Home Inspection When looking for a new home, falling in love with a place is only step one. Responsible buyers know
5 Star Award for Mortgage Excellence
The Five Star award recognizes service professionals who provide quality services to their clients. We are proud to announce American Portfolio Mortgage partner, Nancy Williams,
Understanding Federal and State Home Loan Programs
For many people, federal and state home loan assistance programs provide major benefits. These government loan programs allow first-time home buyers, veterans, military personnel, low-income buyers
Do you qualify for a VA Home Loan?
How to Qualify for a VA Home Loan Program Gershman Mortgage | VA Home Loan Program A VA home loan is one of the most
Why do Mortgage Rates Fluctuate?
Understanding Mortgage Rate Fluctuations Mortgage Rates | Gershman Mortgage If you are considering an Adjustable Rate Mortgage (ARM) then understanding how mortgage rates fluctuate is likely to
Ofallon IL Mortgage Consultant
I am a full service Mortgage Lender located in O’Fallon, IL. Powered by Gershman Mortgage, we have established ourself as a leader in the St. Louis
Conventional 97% LTV Program: Buy a Home with 3% Down.
Original written by: http://mymortgageinsider.com/conventional-97-ltv-program/ Home buying just got a lot easier. Fannie Mae and Freddie Mac, the country’s two main mortgage rule setting agencies, now allow
Millennials can finally afford homes with new mortgage rules
Original article from: http://www.marketwatch.com/story/new-mortgage-rules-help-millennial-home-buyers-2015-01-28 First-time home buyers, many of them millennials, will receive some long-awaited mortgage assistance this year thanks to recent moves in Washington. The
Going From Renting to Buying
Original written by: https://www.redfin.com/blog/2014/06/going-from-renting-to-buying-a-home.html#.VhLLJBOb5sM So you’ve decided it’s time to leave the world of renting and buy a home. If you’ve always rented, you’re in
The Loan Process
1. Pre-qualification Pre-qualification is the term used to explain the short mathematical equation that determines how much of a loan you can afford. This may
Home
Congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for
USDA
This program assists approved lenders in providing low to moderate income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their
Veterans Affairs
A VA mortgage loan in the United States is guaranteed by the United States Department of Veterans Affairs. The program is designed for American Veterans,
Federal Housing Administration
FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA)-which is a part of HUD-insures
Adjustable-Rate
Adjustable Mortgage Rates (ARMs) provide lower rates during an initial period (often 1-7 years) on your home loan. Interest rates on the mortgage adjust with
Conventional Fixed Rate
Over the past several years, fixed rate mortgages have been at historical lows, making this type of loan a very popular and less complicated choice
Refinancing
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Jumbo Loans
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