Courtney Ritter
Courtney has been a real estate broker for five years in the San Carlos area. She is an expert on mortgages and loans.
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Displaying Results 1 - 13 (of 13) for All Content
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Prepayment Penalties - How You Might Pay for Paying Off Your Home Loan EarlySome lenders punish borrowers severely for repaying all or part of their conventional loan's remaining principal balance before its due date. As punishment, they impose a charge known as a prepayment penalty.
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How Mortgages Work - Security Investments and Deeds of TrustThe security instrument used in your transaction can vary from one state to the next depending upon where the property you're financing is located. Mortgages and deeds of trust are the most common types of security instruments.
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Fico Scores, Credit Worthiness and Automated Underwriting: How to Obtain Your First Home LoanThe mortgage finance industry is undergoing sweeping technological changes that are profoundly transforming the way lenders make loans. Two radical innovations, automated underwriting and credit scores, are leading lenders into the 21st century.
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Low Appraisals: How the Lender's Error Can Get You a Home MortgageHow could you be turned down for a mortgage? The rejection has nothing to do with you as a fine, upstanding individual. -
How to Resolve Home Financing Problems with Cooperative Apartments and Fixer-UppersGetting a mortgage on two types of residential property, cooperative apartments and fixer-uppers, can be difficult. This article simply highlights the financing problems associated with these types of properties. -
How to Deal with Insufficient Income and Credit Blemishes when Shopping for a Home LoanLenders frequently turn down loan applicants if they believe the financial burdens of homeownership will be too great a fiscal stretch for them.
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Getting Preapproved for a Loan: The Prequalification and Preapproval Mortgage ProcessEveryone knows that time is money, so it's appropriate that we begin this section with a time-saving tip. Now, for all you aspiring homeowners, be advised that there's a right way and a wrong way to start the home-buying process.
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How to Evaluate Your Creditworthiness: The Underwriting Process for Home Mortgage LoansGood lending institutions are careful with their depositors' funds. Find out how to improve your credit worthiness.
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How to Afford Your First Home with Terrible Credit - Tips and CosigningDeath is nature's draconian way of telling us to slow down. Having your mortgage application rejected because you're in hock up to your hip huggers is the lender's gentle suggestion that you'd be wise to put your financial house in order.
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Sixteen Ways to Help Finance and Afford Your First House Even with Poor Credit or Low Cash ReservesIf you need proof positive that perfection is an admirable but ultimately unattainable quality, let a lender investigate your creditworthiness. The following sections are chock-full of suggestions you can use to solve the most common mortgage problems.
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Closing Costs to Consider when Buying Your HomeAs you budget for a given home purchase, don't forget to budget for the inevitable pile of one time closing costs. In a typical home purchase, closing costs amount to about two to five percent of the purchase price of the property. -
A Guide to Home Ownership ExpensesIf you're in the market to buy your first home, you probably don't have a clear sense about the costs of home ownership.
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Home Mortgage: Determine What You Can AffordSit down and talk in person, by phone, or by e-mail with any mortgage lender, mortgage broker, or real estate agent, and you'll be asked about your income and debts.