How To Get Home

Hey Eddie, should you pay any principle on your mortgage? There correct answer is not the same for everyone. For most Americans, the principle reduction of their mortgage is the only forced form of savings they have. Paying towards principle seems like a good idea and watching the mortgage balance decrease makes people happy. The […]

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It is important to think of good credit as a journey and not a destination. Good credit is important because the higher your credit score, the lower your interest rate will be. Building a better credit report takes time, but it is worth all of the effort it will take. There is no better resource […]

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Two of the hot topics lately are affordabilty and sustainability. In short, can the borrower afford to get in a home (qualify) and can they stay in the home (avoid having to sell). As home prices have increased, many buyers have used non-traditional mortgages to help them bridge the gap between the cost of the […]

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It was a cold and rainy day here in Savannah, which made for ample parking downtown. You can’t pass that up. I had the chance to speak with Darrel Daise, Director of Community Housing Services Agency (CHSA). We sat down to talk about the city’s effort to increase home ownership.
The City of Savannah’s Department of […]

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Make no mistake about it. The evolution of credit scoring has helped consumers. The system was designed to give lenders a faster, unbiased idea about the risk associated with making a loan to someone. Think of it as a measure of a person’s credit worthiness. How exactly is the score calculated? There are […]

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Thinking about buying a home and not sure where to start? Everything you need to know can be found at the Ginnie Mae website. It is very important for first time homebuyers to understand the basics. Take the time to go through the debt and income information worksheets. It will only take a few minutes […]

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