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This calculator helps you determine your monthly payments for a mortgage loan.




How Will the Fed Rate Hike Impact Us?

The Federal Reserve just increased it’s rate by a quarter point and the word is that the rates will only continue to increase over the coming months and years. But what does this mean for consumers?

What will happen to cash-tied funds like savings, mortgages, or auto loans? Those looking for a home will obviously be most concerned with how mortgages are affected, but the way other cash-tied funds will be altered is also important. This is because the current state of all existing loans will weigh heavily on the financial situation of those who have taken them out or plan to make use of them in the near future.

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Great Resources for First Time Home Buyers

It’s an exciting experience buying your first home. It’s the culmination of years of planning, saving, and dreaming. But for all the excitement, buying your home can be nerve-racking and emotionally exhausting. Having great resources available can help make the process easier. Below we’ve listed just a few of these.

Quicken Loans Mortgage Calculator – This calculator is unique in that it doesn’t just help you figure out how much a mortgage would cost, but can also help you figure out how much you can afford. All it takes is to put in some very basic information.

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Demand in the Mortgage Industry is Causing Shifts

Shifts are rapidly occurring throughout the mortgage industry, thanks to a number of different demands. Mortgage rates are on the rise, while home price skyrocket and homeownership tend towards significantly longer durations. The assumptions of both lenders and borrowers have had to be set aside and a rebirth of the industry is currently being seen.

Limited Housing

One of the major players in this shift is the limited housing availability. For two years now there has been a significant lack of available homes for purchase – especially in large metro areas.

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Mortgage Volume on The Up and Up

After a steep decline for the great part of the past month, things started looking up for the mortgage industry. More borrowers returned to refinance or purchase homes, causing rates to rise once again.

The total application volume for mortgages over this past week rose by just over four percent. While this is great news for mortgage lenders, rates are still fifteen percent lower than they were at this same time last year.

Why is It Increasing?

The rise in loans may be thanks to more stability in the current mortgage market. This follows wide swings (both upwards and downwards) at the start of last month.

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How to Still Get A Mortgage with Credit Blemishes

Sometimes life has a way of throwing monkey wrenches into your plans at the worst possible times. While obtaining a mortgage assures you’ll have the funds upfront for a mortgage, life offers no such assurances.

Millions of Americans can attest to this. It doesn’t take much to become far behind on your bills. When this happens, blemishes appear on your credit report, negatively impacting your score and hurting your chances of ever getting a mortgage.

Everyone believes a second chance at a good credit report and a stable financial life, however. Just because life has gotten in the way, doesn’t mean that all hope is gone. One shining beacon of hope lays in something called SmartTrac.

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