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FAQS
What is a mortgage?
A mortgage is a loan used to purchase a home, where the property itself serves as collateral for the loan.
How does the mortgage approval process work?
The approval process involves evaluating your credit score, financial history, income, and debt-to-income ratio to determine how much you can borrow and at what interest rate.
Fixed rate vs Adjustable
A fixed-rate mortgage maintains the same interest rate throughout the loan term, providing consistent payments. An ARM's interest rate can change periodically, usually after an initial fixed-rate period.
What's private mortgage insurance (PMI)?
PMI is usually required if your down payment is less than 20% of the home's value. It protects the lender in case you default on the loan.
Can I buy a home with challenging credit?
It's possible but can be more challenging. You might have to pay a higher interest rate or put down a larger down payment.
iCore Lending, Inc NMLS #1547623, California DFPI Finance Lenders Law License #60DBO-79265, California Real Estate Corporation DRE License Endorsement #02019879, Arizona Mortgage Banker License #1028700, Florida Mortgage Lender Servicer License #MLD2097 Oregon “Licensed by the Oregon Division of Financial Regulation of the Department of Consumer and Business Services. For consumer complaints, call us at 888-877-4894 or go to dfr.oregon.gov.” The posting of this notice complies with the requirements of ORS 725.160, 725A.032, 86A166, and 86A.309.Consumer Access Site.
©2021 “CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE ATWWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”
