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Helpful Hints for First-time Home Buyers _ Part 3

The Hunt! Finding your new home. By Shawna Sanders In the first two parts of our series, Helpful Hints for First-Time Home Buyers, we covered getting your finances in order and finding the lender and real estate agent you want to work with. Now it’s time to get to the fun part of the home buying…

Helpful Hints for First-time Home Buyers Part 2

Preparing for the Hunt By Shawna Sanders In Part 1 of our Helpful Hints for First-Time Home Buyer series we covered the steps to getting your finances in order to prepare for the home buying process. But you’re not quite ready to begin the house hunt just yet. First, you’re going to need to find…

No offering Express Funding of your home loan No more waiting for keys.

We are proud to Introducing Express Mortgage Funding. This is just one more way Service First Mortgage puts home buyers first. We want your closing day to be as happy and stress free as possible. New home memories should not have to wait. With Express Funding, home buyers will be able to know their loan…

FHA Home Loan for 580 and higher credit scores

An FHA Home Loan is one of the best home loans for first time home buyers and those with less than perfect credit. With an FHA Home Loan, buyers can purchase homes with as little as 3.5% down. This makes the FHA home loan program ideal for many people. At Service First Mortgage we have…

$2T Stimulus… How does that affect my mortgage_

You may have heard on the news about the $2Trillion dollar stimulus package recently announced. You may also be asking how that will affect my mortgage. Well as a mortgage lender with over 22 years of experience I can honestly say the current environment has hit the financial industry with a perfect storm. Several weeks…

The Fed cut interest rates to zero. What does that mean to me?

Mortgage rates are NOT zero. Interbanking offering rates are near zero. Today the fed cut interest rates to zero. What does that mean to you? The fed funds are not the same things as mortgage rates, the two are somewhat associated with one another but are not directly tied to one another. Mortgage rates are…

Should you refinance your mortgage? Everyone is talking about refinancing right now because mortgage rates are near an all-time low. However, refinancing is not always a good idea. First of all, let’s look at what a refinance is. A mortgage refinance is a new mortgage that replaces your existing mortgage by paying it off. There…

Understanding the Transfer of Real Estate during Divorce.

When transferring title and ownership to real estate during divorce, it is important to have an understanding of the various real estate deeds. When the title is not properly conveyed, problems can occur. During a divorce, title and ownership interest are very likely to change. In this article we will discuss ways to transfer title…

Buying A Fixer Upper Home Is Easier Than You Think

Buying a fixer-upper can be easy if you work with the right team. According to noted penny pincher Dave Ramsey, if you’re in the market for a fixer-upper, chances are your competition is slim. That’s great news because it means the odds for scoring a sweet deal are in your favor. The current real…

There are many reasons why you want to move. How to prepare for moving seems pretty straight forward but here are some moving tips that can help. Some people are doing it because of greener pastures while others move in order to start with a clean slate. However, regardless of the reason why you’re moving,…