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Are FHA Loans Assumable? – The video provides a visually stimulating way of understanding it, but yes! You can either assume an existing FHA-insured loan… Read more
How Does The Interest Rate Factor In Securing A Mortgage Loan? – How does an interest rate have an effect on a mortgage? As you’ll see in the video, a lower interest… Read more
Can I Use My VA Eligibility More Than Once? – Is it Possible to Use My VA Eligibility Multiple Times? Yes, you can provide that certain conditions are met. You… Read more
What Is The Debt-To-Income Ratio (DTI)? – Measuring your existing debts against your existing income is one part of a lender’s required assessment of your ability to… Read more
Mortgage Broker vs Mortgage Lender – Mortgage Broker vs Mortgage Lender A Mortgage Broker does only one thing and that is to shop for the best… Read more
What Are VA Home Loans? – What Are VA Loans? As the video says, the name is misleading – they’re not loans FROM the VA. The… Read more
When Do I Get My Loan Closing Disclosure? – If an eligible loan proceeds from Estimate to closing, creditors must provide a Closing Disclosure form documenting the actual transaction… Read more
What Is A Qualified Mortgage? – As this video explains, ‘Federal laws put into effect in 2014 and ‘supervised by the Consumer Financial Protection Bureau’define lending… Read more
Are Any Lenders Exempt From Ability-To-Repay Rules? – This video explains that some specific kinds of lending organizations are exempt from the ability-to-repay laws enacted in 2014. These… Read more
Can I Remove PMI From My Loan? – Private Mortgage Insurance can add hundreds of dollars per year to mortgage rates so it’s worth learning when you are… Read more
What Are The Major Types Of VA Loans? – What Are The Major Types Of VA Loans? Major Veterans Affairs loan programs described in this video include: 1) Purchase… Read more
What Is A Certificate of Eligibility, or COE? – What Is A Certificate of Eligibility, or COE? The COE is the key document that verifies to lenders that someone… Read more
Who Is Exempt From The VA Funding Fee? – Who is NOT required to pay the VA funding fee? This video could save some veterans thousands. ‘VA loan applicants… Read more
How Does Divorce Affect VA Loan Re-Eligibility? – How Does Divorce Affect VA Loan Re-Eligibility? This video highlights the rules. If a veteran with a spouse purchases a… Read more
What Is A Construction Perm Loan? – Like the man says, a’blueprint is not a house – so conventional home mortgages don’t apply to construction projects. However,… Read more
Does My Military Discharge Affect VA Loan Eligibility? – Does My Military Discharge Affect VA Loan Eligibility? As you’ll see in this video, discharge conditions can affect a veteran’s… Read more
Can I Buy A Rental Property With A VA Loan? – Can I Buy A Rental Property With A VA Loan? As the video says – NO. Buying rental property may… Read more
Calculating Your Cash To Close – Page 2 of the Loan Estimate provides the current ESTIMATED cash to close. Some costs will stay the same between… Read more
What’s Refunded If My Loan Is Higher Than My Estimate? – If the amount you pay at closing exceeds the amounts disclosed on the Loan Estimate – beyond tolerance limits for… Read more
What Will The TRID Loan Estimate Tell Me? – The Loan Estimate documents the essential facts and terms of an approved real estate loan. It includes: loan terms projected… Read more
What Is A ‘Business Day’ For Real Estate Loan Disclosures? – ‘Business day’ is defined slightly differently for Loan Estimates and Closing Disclosures. For Loan Estimates, each day on which a… Read more
Do Creditors Have To Approve TRID Loans In 3 Days? – If your loan is approved, on the terms you requested the creditor is required to provide a Loan Estimate within… Read more
What 6 Pieces of Information Make A TRID Loan Application? – Submitting these 6 pieces of information: Name Income Social Security Number Property Address Estimated Value of Property Mortgage Loan Amount… Read more
What Disclosures Are Used For Loans Not Covered By TRID? – Creditors must continue to use the Good Faith Estimate, Truth-In-Lending Disclosure and the HUD-1 form for reverse mortgages, HELOCs, mobile… Read more
What Kinds Of Loans Do TRID Disclosures Cover? – TRID rules apply to MOST consumer credit transactions secured by real property. These include mortgages, refinancing, construction-only loans closed-end home-equity… Read more
What Do Lenders Have To Tell You About Your Real Estate Loan? – Federal ‘disclosure’ forms define the information that creditor businesses MUST provide to consumers applying for real estate loans. As of… Read more
What Is “Prime”? – The Prime Lending Rate – sometimes just called ‘Prime’ ‘- is the interest rate that banks charge each other for… Read more
What Is An Appraisal? – Every house is unique; appraisers are trained and licensed for expertise in putting a value on properties. Appraisers don’t work… Read more
What Are Discount Points? – Discount points allow you to lower your interest rate. While this video simplifies things to help you remember, ‘points’ are… Read more
What Steps Need To Be Taken To Secure A Loan? – You’ll see some pictures in this video to help you remember later, but the first step in securing a loan… Read more
What Happens If Interest Rates Decrease And I Have A Fixed Rate Loan? – Like the video shows, if interest rates drop significantly you may want to investigate refinancing. According to the US Dept… Read more
What Is An Escrow Account? Do I Need One? – As we show you in this video, an escrow account is an account, established by your lender, to set aside… Read more
What Factors Affect Mortgage Payments? – Well, as this story shows, the amount of the down payment the size of the mortgage loan, the interest rate… Read more
Can I Pay Off My Loan Ahead Of Schedule? – Usually, Yes. Like the guy in the video says, by sending in extra money each month or making an extra… Read more
What Is Included In A Monthly Mortgage Payment? – The monthly mortgage payment mainly pays off principal and interest. But most lenders also include local real estate taxes homeowner’s… Read more
How Large A Down Payment Do I Need? – There are mortgage options now available that only require a down payment of 5% or less of the purchase price.… Read more
What Is Loan To Value (LTV) And How Does It Affect The Size Of My Loan? – While this video simplifies things to help you remember, the loan to value ratio is the amount of money you… Read more
What Are The Advantages Of 15- And 30-Year Fixed-Rate Mortgages? – For both, as we show you in this video, compared with other options, ‘with fixed rates, housing costs won’t be… Read more
What Types Of Mortgage Loans Are Available? – This video tells you about the most common types: Fixed Rate, ARM, Balloon and 2-Step. First, Fixed Rate Mortgages: Payments… Read more
When Do Adjustable Rate Mortgages Make Sense? – What you’ll see in this video is, an ARM may make sense if: you are confident that your income will… Read more
What Is A Mortgage? – The original phrase ‘mort gage’ translates as ‘death pledge’! But as this video explains, a mortgage is a loan obtained… Read more
Are There Special Mortgages For First-Time Homebuyers? – Yes. Like the video shows, lenders now offer several affordable mortgage options which can help first-time homebuyers overcome obstacles that… Read more
What If I Find A Mistake In My Credit History? – Like the guy in the video says, simple mistakes are easily corrected by writing to the reporting company, pointing out… Read more
What Is A Credit Bureau Score And How Do Lenders Use Them? – As we show you in this video, a credit bureau score, or ‘credit score’ is a number based upon your… Read more
How Can I Find Out Information About My Credit History? – Watch this video and take a few notes! There are three major credit reporting companies: Equifax – www.equifax.com 1-800-685-1111 Experian… Read more
How Are Pre-Qualifying And Pre-Approval Different? – Watch this video and it’ll make sense. Pre-qualification is an informal way to see how much you maybe able to… Read more
What Is PMI? – This video tells you about it all. PMI stands for Private Mortgage Insurance or Insurer. These are privately-owned companies that… Read more
What Is The Best Way To Compare Loan Terms Between Lenders? – Watch this video and take a few notes! First, devise a checklist for the information from each lending institution. You… Read more
What Are 203(B) And 203(K) Loans? – The video puts this in more visual terms, but 203(b) is the most commonly used FHA program. It offers a… Read more
What Should I Do If I Fall Behind On A Conventional Loan? – The video puts this in more visual terms, but most importantly, talk to your lender about specific loss mitigation options.… Read more

What Is The Debt-To-Income Ratio (DTI)? – Measuring your existing debts against your existing income is one part of a lender’s required assessment of your ability to… Read more
Are Any Lenders Exempt From Ability-To-Repay Rules? – This video explains that some specific kinds of lending organizations are exempt from the ability-to-repay laws enacted in 2014. These… Read more
Can I Remove PMI From My Loan? – Private Mortgage Insurance can add hundreds of dollars per year to mortgage rates so it’s worth learning when you are… Read more
What Is An Appraisal? – Every house is unique; appraisers are trained and licensed for expertise in putting a value on properties. Appraisers don’t work… Read more
What Steps Need To Be Taken To Secure A Loan? – You’ll see some pictures in this video to help you remember later, but the first step in securing a loan… Read more
Can I Pay Off My Loan Ahead Of Schedule? – Usually, Yes. Like the guy in the video says, by sending in extra money each month or making an extra… Read more
How Can I Find Out Information About My Credit History? – Watch this video and take a few notes! There are three major credit reporting companies: Equifax – www.equifax.com 1-800-685-1111 Experian… Read more
How Are Pre-Qualifying And Pre-Approval Different? – Watch this video and it’ll make sense. Pre-qualification is an informal way to see how much you maybe able to… Read more
What If I Find A Mistake In My Credit History? – Like the guy in the video says, simple mistakes are easily corrected by writing to the reporting company, pointing out… Read more
What Is A Credit Bureau Score And How Do Lenders Use Them? – As we show you in this video, a credit bureau score, or ‘credit score’ is a number based upon your… Read more
What Is The Best Way To Compare Loan Terms Between Lenders? – Watch this video and take a few notes! First, devise a checklist for the information from each lending institution. You… Read more
What Should I Do If I Fall Behind On A Conventional Loan? – The video puts this in more visual terms, but most importantly, talk to your lender about specific loss mitigation options.… Read more
How Do I Choose The Best Loan Program For Me? – The video puts this in more visual terms, but your personal situation will determine the best kind of loan for… Read more
What Responsibilities Do I Have During The Lending Process? – To ensure you won’t fall victim to loan fraud, as you’ll see in this video, be sure to follow all… Read more
What Costs or Fees Are Associated With Loan Origination? – Yes, loan origination involves costs and fees. As you’ll see in the video, when you turn in your application you’ll… Read more
What Is RESPA? – RESPA stands for the Federal Real Estate Settlement Procedures Act. This video tells you about it all. RESPA requires lenders… Read more
How Do I Choose The Right Lender For Me? – There are some great tips in this video. Choose your lender carefully. Look for financial stability and a reputation for… Read more
What Happens After I’ve Applied For My Loan? – Once you’ve supplied the 6 required piece of information and included any other information the lender deemed necessary, you’ll receive… Read more

How Does The Interest Rate Factor In Securing A Mortgage Loan? – How does an interest rate have an effect on a mortgage? As you’ll see in the video, a lower interest… Read more
Mortgage Broker vs Mortgage Lender – Mortgage Broker vs Mortgage Lender A Mortgage Broker does only one thing and that is to shop for the best… Read more
What Is A Qualified Mortgage? – As this video explains, ‘Federal laws put into effect in 2014 and ‘supervised by the Consumer Financial Protection Bureau’define lending… Read more
What Is “Prime”? – The Prime Lending Rate – sometimes just called ‘Prime’ ‘- is the interest rate that banks charge each other for… Read more
What Are Discount Points? – Discount points allow you to lower your interest rate. While this video simplifies things to help you remember, ‘points’ are… Read more
What Happens If Interest Rates Decrease And I Have A Fixed Rate Loan? – Like the video shows, if interest rates drop significantly you may want to investigate refinancing. According to the US Dept… Read more
What Types Of Mortgage Loans Are Available? – This video tells you about the most common types: Fixed Rate, ARM, Balloon and 2-Step. First, Fixed Rate Mortgages: Payments… Read more
What Are The Advantages Of 15- And 30-Year Fixed-Rate Mortgages? – For both, as we show you in this video, compared with other options, ‘with fixed rates, housing costs won’t be… Read more
What Is A Mortgage? – The original phrase ‘mort gage’ translates as ‘death pledge’! But as this video explains, a mortgage is a loan obtained… Read more
When Do Adjustable Rate Mortgages Make Sense? – What you’ll see in this video is, an ARM may make sense if: you are confident that your income will… Read more
What Is Included In A Monthly Mortgage Payment? – The monthly mortgage payment mainly pays off principal and interest. But most lenders also include local real estate taxes homeowner’s… Read more
What Factors Affect Mortgage Payments? – Well, as this story shows, the amount of the down payment the size of the mortgage loan, the interest rate… Read more
How Large A Down Payment Do I Need? – There are mortgage options now available that only require a down payment of 5% or less of the purchase price.… Read more
What Is Loan To Value (LTV) And How Does It Affect The Size Of My Loan? – While this video simplifies things to help you remember, the loan to value ratio is the amount of money you… Read more
Are There Special Mortgages For First-Time Homebuyers? – Yes. Like the video shows, lenders now offer several affordable mortgage options which can help first-time homebuyers overcome obstacles that… Read more
What Is PMI? – This video tells you about it all. PMI stands for Private Mortgage Insurance or Insurer. These are privately-owned companies that… Read more
What Is Mortgage Insurance? – Like the video shows, mortgage insurance is a policy that protects lenders against some or most of the losses that… Read more

Are FHA Loans Assumable? – The video provides a visually stimulating way of understanding it, but yes! You can either assume an existing FHA-insured loan… Read more
Can I Use My VA Eligibility More Than Once? – Is it Possible to Use My VA Eligibility Multiple Times? Yes, you can provide that certain conditions are met. You… Read more
What Are VA Home Loans? – What Are VA Loans? As the video says, the name is misleading – they’re not loans FROM the VA. The… Read more
What Are The Major Types Of VA Loans? – What Are The Major Types Of VA Loans? Major Veterans Affairs loan programs described in this video include: 1) Purchase… Read more
What Is A Certificate of Eligibility, or COE? – What Is A Certificate of Eligibility, or COE? The COE is the key document that verifies to lenders that someone… Read more
Who Is Exempt From The VA Funding Fee? – Who is NOT required to pay the VA funding fee? This video could save some veterans thousands. ‘VA loan applicants… Read more
How Does Divorce Affect VA Loan Re-Eligibility? – How Does Divorce Affect VA Loan Re-Eligibility? This video highlights the rules. If a veteran with a spouse purchases a… Read more
What Is A Construction Perm Loan? – Like the man says, a’blueprint is not a house – so conventional home mortgages don’t apply to construction projects. However,… Read more
Does My Military Discharge Affect VA Loan Eligibility? – Does My Military Discharge Affect VA Loan Eligibility? As you’ll see in this video, discharge conditions can affect a veteran’s… Read more
Can I Buy A Rental Property With A VA Loan? – Can I Buy A Rental Property With A VA Loan? As the video says – NO. Buying rental property may… Read more
What Is An Escrow Account? Do I Need One? – As we show you in this video, an escrow account is an account, established by your lender, to set aside… Read more
What Are 203(B) And 203(K) Loans? – The video puts this in more visual terms, but 203(b) is the most commonly used FHA program. It offers a… Read more
How Does My Credit History Impact My Ability To Qualify? – The FHA is generally more flexible than conventional lenders in its qualifying guidelines. As we show you in this video,… Read more
What Is The Debt-To-Income Ratio For FHA Loans? – Remember the pointers from this video: as of 2013, the FHA allows you to use 29% of your income towards… Read more
How Can The FHA Assist Me In Buying A Home? – Remember these points from the video:the FHA works to make homeownership a possibility for more Americans. With the FHA, you… Read more
What Are The Steps Involved In The FHA Loan Process? – The video puts this in more visual terms, but with the exception of a few additional forms the FHA loan… Read more

When Do I Get My Loan Closing Disclosure? – If an eligible loan proceeds from Estimate to closing, creditors must provide a Closing Disclosure form documenting the actual transaction… Read more
Calculating Your Cash To Close – Page 2 of the Loan Estimate provides the current ESTIMATED cash to close. Some costs will stay the same between… Read more
What’s Refunded If My Loan Is Higher Than My Estimate? – If the amount you pay at closing exceeds the amounts disclosed on the Loan Estimate – beyond tolerance limits for… Read more
What Will The TRID Loan Estimate Tell Me? – The Loan Estimate documents the essential facts and terms of an approved real estate loan. It includes: loan terms projected… Read more
What Is A ‘Business Day’ For Real Estate Loan Disclosures? – ‘Business day’ is defined slightly differently for Loan Estimates and Closing Disclosures. For Loan Estimates, each day on which a… Read more
Do Creditors Have To Approve TRID Loans In 3 Days? – If your loan is approved, on the terms you requested the creditor is required to provide a Loan Estimate within… Read more
What 6 Pieces of Information Make A TRID Loan Application? – Submitting these 6 pieces of information: Name Income Social Security Number Property Address Estimated Value of Property Mortgage Loan Amount… Read more
What Disclosures Are Used For Loans Not Covered By TRID? – Creditors must continue to use the Good Faith Estimate, Truth-In-Lending Disclosure and the HUD-1 form for reverse mortgages, HELOCs, mobile… Read more
What Kinds Of Loans Do TRID Disclosures Cover? – TRID rules apply to MOST consumer credit transactions secured by real property. These include mortgages, refinancing, construction-only loans closed-end home-equity… Read more
What Do Lenders Have To Tell You About Your Real Estate Loan? – Federal ‘disclosure’ forms define the information that creditor businesses MUST provide to consumers applying for real estate loans. As of… Read more

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