Mortgage

Ep 29: Busting 5 Mortgage Myths

There are a lot of myths out there in the mortgage world, and today we’re going to debunk the five most common ones. While some of this information might’ve been true at one point in time, it is important to stay updated on how this information has changed as you navigate the home-buying process. In…

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Ep 28: 9 Tips for a Smooth Loan Closing

Everyone wants to have a smooth closing day without any hiccups, but a lot of what could go wrong is in your control. In this episode, we’re going to give you nine tips to ensure that you have a loan closing that goes as expected without any surprises. Before we do that, we want to…

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Ep 27: Ready for Pre-Approval? Here’s What to Expect

As the market begins to pick back up, people are starting to think more about homebuying. As you get started, one of the best things you can do is get pre-approved to understand how much house you can afford and give your seller confidence when the offer comes in. But what does that process look…

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Ep 26: Building Wealth Through Homeownership

Many people weigh the decision of whether they should buy a home or continue renting, but there are some great benefits to homeownership that will allow you to build wealth over time. In this episode of the Smart Mortgage Show, Bill will share some of the numbers that show how wealth can grow through ownership…

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Ep 19: Services for First-Time Homebuyer

On this episode, Bill Litton will take you through the different services his team at CrossCountry Mortgage offer first-time homebuyers. About a third of the people we work with are doing this for the first time so we have a great idea of the needs you’ll be facing.

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Ep 16: What to Consider in This New Higher Rate Market

Interest rates are rising and it seems likely that they will continue to do so. Historically, rates are still not bad. But a jump from 2.5% to 6% is a big jump and it’s changing the housing market and the trends we are seeing. With inflation still very high, we should expect to see these…

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Ep 14: 2022 Issues and Mortgage Rate Increases

Interest rates for mortgages have crept over 6% and it’s been the big story as we head into the summer. Anyone looking to buy or sell a home right now is probably wondering what these rate hikes will mean for the real estate market that’s been going strong for some time. We’ll get Bill’s thoughts…

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Ep 7: All About Credit – Part 2

How do lenders analyze credit for couples? Does a Co-signer help with credit? You’ve probably heard about the difference between a soft credit hit and a hard credit hit. Whenever you get pre-approved for a home, it’s a hard credit check. But this is different than an auto loan or student loan. There’s no way…

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Ep 6: All About Credit – Part 1

A lot of people have questions about credit when it comes to buying a home. On today’s episode, we’ll explore some common questions, concerns, and misconceptions about credit. How does a credit score directly impact your ability to obtain a mortgage? If it’s too low you may not qualify for a mortgage loan. Having a…

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Ep 5: Market Updates – Cooldowns, Interest Rates, and More

What do you need to know about the current real estate market? It doesn’t seem that the market is cooling down just yet. We are still seeing bidding wars and multiple offers. While it may not be as intense in the market as it was a few months ago, you still need to be creative…

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