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Matt’s Blog

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Mortgage Interest Rate

Interest Rates 2015

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettMarch 25, 2015

Hi, this is Matt Padgett with Keystone Mortgage. I’m getting a lot of questions likely about interest rates.Where are interest rates going? Are they going down or are they going up? Let me tell you one thing for sure. If I knew where interest rates were going, I’d be making this video from my boat…

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Fear of Buying a House

Fear of Buying a Home

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettMarch 15, 2015

There can be a lot of fear when buying a home. We at Keystone Mortgage have found this to be a very common experience. The process in finding a home is a very unsettling and nervous time even for the most experienced home buyer. In my life, what I have found is that in the…

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Upfront Mortgage Insurance

Upfront Mortgage Insurance

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettMarch 6, 2015

Matt Padgett, Mortgage Broker in Knoxville, TN often get’s asked, “What is upfront mortgage insurance?” You most typically find upfront mortgage insurance when you’re dealing with government loans. Whether it be a VA loan, a USDA role development loan or an FHA loan. This is a premium that is added to your loan amount to…

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What Documents Do You Need to Pre-approve for a Mortgage?

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettMarch 4, 2015

Matt Padgett with Keystone Mortgage gets asked often, What documents do you need to pre-approve for a mortgage?” There are only four documents that are needed to pre-approve for a mortgage. 1. Two years of tax returns 2. Two years of W-2’s 3. 60 days or 2 months of bank statements 4. 1 month worth…

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How Much of a Down Payment Do I Need?

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettFebruary 19, 2015

A question I get all the time is, “How Much of a Down Payment Do I Need?” To answer how much of a down payment you will need, it depends on the loan type. For a conventional mortgage, you need at least a 3% down. The three percent is kind of like a new down…

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What Does an Underwriter Look For on a Mortgage Loan?

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettFebruary 11, 2015

People ask me, “What Does an Underwriter Look For on a Mortgage Loan?” There are three things: First of all they’re looking for income. They’re looking for consistent income that shows you your ability to pay the monthly debts and they really like for this income to be consistent over a period of time such as two…

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How Do I Get Good Credit?

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettFebruary 5, 2015

People often ask me “How do I get good credit?“ “Whether I’ve had bad credit in the past or I’ve had no credit, what’s the best way to ensure in the future that I have a good credit score and a good credit history?” Well, first of all you have to have good open accounts.…

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When to Start The Mortgage Process

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettJanuary 30, 2015

People ask me often when is the best time to start looking for mortgage if I’m going to buy a home? Well the easy answer is to start the mortgage process as soon as possible. Whether you have to sell a home before you purchase or you currently rent, give us a call early. Let’s…

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How To Get Your First Mortgage

How To Get Your First Mortgage

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettJanuary 28, 2015

When it comes to lifetime markers getting a first mortgage is a major event. With a mortgage you’re magically transformed from occupant to owner and from tenant to titleholder.   Applying for a mortgage used to be seen as a battle of sorts, a competition where the only winners were those who sold headache remedies…

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Home Mortgages: Top Tips To Get You The Best Deal

Keystone Mortgage BlogBy RMetzNovember 25, 2014

  Home loans help purchase new homes or refinance the home you officially own. Regardless of which sort of home loan you are seeking, the tips and traps underneath will help you get it easier, effortlessly and at a manageable rate. One must have a specific end goal to be qualified for a home loan,…

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