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Matt’s Blog

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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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Interested In Learning About Home Mortgages? Read This

Keystone Mortgage BlogBy RMetzNovember 11, 2014

Applying and securing home loans is considered to be very important. You can cost yourself a large sum of money on the off chance that you don’t recognize what you are doing with home loans. Readthis article in full to look into the how to’s of a home loan. Early readiness for your home loan application…

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Home Mortgage Questions Answered In This Article

Keystone Mortgage BlogBy RMetzSeptember 30, 2014

House hunting is fun, yet the mortgage process is distressing. There are numerous things that must be contemplated before getting approved. These tips will help you through the methodology of getting a loan. In the event that you know you need to seek a home loan, get prepared before you anticipate doing it. Purchasing a…

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Home Mortgage Information That Can Help You Out

Keystone Mortgage BlogBy RMetzSeptember 30, 2014

Is getting a mortgage something that you are looking for however have no clue what it takes to fit the bill for one. Don’t stress, this is something many individuals are managing as well. Quite a few people are unable to avoid the fact that they’re not meeting the prerequisites that it takes to get…

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Home Mortgage Basics That You Need To Know

Keystone Mortgage BlogBy RMetzSeptember 29, 2014

While everyone knows you need a mortgage to buy a home, many people don’t know that there are ways to save money on a home mortgage. The ideas presented in the following paragraphs are going to assist you in finding your best possible mortgage. Keep reading for some great advice. When faced with financial difficulties,…

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