Mortgages


Whether you’re new to home buying or looking for another way to buy. There are many different types of mortgage available.  What is available to you will depend on your credit score, debit to income ratio, and other factors. If you’re not sure where to start, TIME Realty Services can help! We have many resources available depending on your needs. Below are the types of mortgages available:

  • Conventional Mortgages
  • FHA/ Fannie Mae Mortgages
  • Reverse Mortgages
  • Foreign National Loans
  • Private Loans
  • Independent Mortgage Broker vs Bank
  • Equity loans vs Mortgages

Ask us about our trusted lenders! We are happy to connect you.

 

Ten things you never want do to after you have applied for a mortgage

While we are not a lender, some truth about the lending process can be humorous. The following can quickly cause you inconvenience and frustration with your lender. Don’t think the lender will never find out. They run credit reports both when you apply and before the loan closes!

  • Thou shall not change jobs or become self-employed
  • Thou shall not buy a car, truck or van unless you plan to live in it
  • Thou shall not use your credit cards or let your payments fall behind
  • Thou shall not spend the money you have saved for your down payment
  • Thou shall not buy furniture before you buy your house
  • Thou shall not originate any new inquiries on your credit report
  • Thou shall not make any large deposits into your bank account
  • Thou shall not change bank accounts
  • Thou shall not co-sign for anyone
  • Thou shall not purchase ANYTHING until after the closing