Author Archives: Neena Vlamis, President of A and N Mortgage

How to Get and Stay Out of Post-Holiday Debt

Even though you might have cut back on travel this holiday season, you probably still felt like treating yourself and your loved ones. That often means you bought gifts you might not have been able to afford. It’s so satisfying … Continue reading

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Benefits of Choosing a Mortgage Banker

As you begin your search for a mortgage lender, don’t discount smaller, local entities like banks or credit unions. These small institutions use their funds or funds borrowed from a warehouse to provide loans to their customers. Once you’re familiar … Continue reading

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Pre-Approval Adds Certainty to the Homebuying Process in 2021

If you’re ready to purchase a new home, one of the smartest steps you can take is to obtain a pre-approval for your new mortgage. Even if you have a pretty good idea of where you stand in terms of … Continue reading

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The Advantages of In-House Underwriting

There are several people and multiple steps involved in helping you obtain a mortgage for your new home. Your loan officer will be responsible for collecting all of the relevant information about your income, credit history, debt ratios, and savings … Continue reading

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Everything You Need to Know About Applying for A Second Mortgage

Taking out a second mortgage allows you to borrow against the equity you’ve built up in your house. You can use the lump sum you receive from your second mortgage for whatever you wish. You can fund tangible projects like … Continue reading

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Qualifying for a Home Loan with Student Loan Debt

Millions of Americans find themselves with substantial student debt after graduating from college. Significant student loan debt makes it difficult to buy a house for many reasons. First, those monthly student loan payments make it hard to save for a … Continue reading

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Pre-Qualifying for a Loan vs. Loan Pre-Approval

Getting a mortgage usually involves getting pre-qualified or pre-approved for a loan at some stage in the process. Although pre-qualification and pre-approval are both stepping stones to securing a home loan, they are actually quite different, and it’s important to … Continue reading

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How to Become A Loan Officer

Navigating the challenges of obtaining a mortgage for a dream home can be a daunting experience. A licensed loan officer helps to alleviate those challenges by guiding their clients through the financial process while also educating them about the best possible options.  … Continue reading

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Mortgage Refinancing Tips for Self-Employed Borrowers

Refinancing your mortgage is a tedious process for most people. Unfortunately, securing a loan as a self-employed borrower will often require that you provide additional documentation to procure your loan if you decide to refinance your property. This common struggle … Continue reading

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Mortgage Pre-approval Tips

As you approach the home buying process, you may be inclined to start by looking at houses in your desired location or getting in touch with a realtor. To make the process of buying a new home more convenient, however, … Continue reading

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