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Preparing to purchase or refinance a home involves a large number of documents, and it can be difficult to remember them all. Here’s an overview so you can begin rounding up what you need before heading over to Indigo Mortgage. You’ll be needing the two most recent years’ W-2s, two…
Many out-of-state mortgage companies advertise how quickly they get pre-qualifications done. This may sound great to you when you’re shopping for a home loan, but once that pre-qualifying is done and the loan goes into application, you’ll likely never speak to the same person twice, if you get an actual…
Indigo Mortgage would like to make sure all you veterans take advantage of the benefits you’re entitled to. Veterans and servicemembers are eligible for home loan benefits through the Department of Veterans Affairs (VA). Veterans may use VA benefits as many times as needed if all previous VA loans were…
Watch the Clock on Your HELOC. At Indigo Mortgage, we know a Home Equity Line of Credit (HELOC) has long been a popular avenue for homeowners to tap into their equity at a low interest rate, but there is a downside to holding onto one too long.
Traditionally, homeowner who have less than a 20 percent down payment for their home have had an added monthly cost for private mortgage insurance (PMI). The PMI fee is added to the buyer’s monthly escrow payment, and protects the lending bank should the homeowner default. An option to PMI is…
Applying for a mortgage is a huge step in a person’s life. Many prospective homebuyers have never filled out a mortgage loan application before or have not done so for quite some time. After the changes to the mortgage industry in 2009, potential borrowers might feel uneasy about applying for…
There is a new rule being implemented into the real estate market on October 3, 2015 called the TRID rule. TRID is an acronym for TILA RESPA Integrated Disclosure and is also known as the Know Before your Owe rule.
It is not uncommon for a second home to be confused with an investment property. To distinguish between the two, there are a few ground rules to establish.
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