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5 Things to Do After Your Mortgage Closes

After sitting down at the mortgage closing table to sign all the paperwork, you get the keys and can breathe a sigh of relief. But before you tuck all those mortgage papers away for good, there are at least 5 things you still need to do after closing to make sure everything is on track. 1. Figure Out the Start Date of the First Payment Your lender or title company should have let you know this important fact before or at closing, but with so many papers and numbers being thrown at you, it might get missed. Your escrow account often requires enough money from you at closing to cover ...

March 13th, 2019 | First-time Homebuyers, Purchasing a Home, Refinancing a Home, 5 Things to Do After Your Mortgage Closes

What is the Right Mortgage for Buying a Fixer-Upper?

You have found your dream house but it will take significant work to make it a home. You do not have cash in savings to pay for both a down payment and the repair costs. Not to worry - this is not a hopeless situation. Fortunately, there are two types of mortgage loans available for just this scenario:  The Federal Housing Administration (FHA) 203(k) rehabilitation loan or Fannie Mae HomeStyle Renovation Mortgage. FHA 203(k) Mortgage The Federal Housing administration has provided a home loan that allows buyers to borrow enough money to cover the price of the home plus the estimated...

February 13th, 2019 | FHA Loans, Purchasing a Home, What is the Right Mortgage for Buying a Fixer-Upper?

First-time Homebuyers should avoid these 5 Mistakes

Buying a home for the first time is a very exciting adventure, but as with any new experience it can be easy to make plenty of mistakes. In order to make a satisfying purchase, try to avoid these 5 big first-timer blunders. 1. Get Pre-Approved before looking for a home If you are truly ready to make a home purchase, start with first things first. Contact Altius Mortgage to get pre-approved for a mortgage. This will give you a good idea of how much home you can afford and it will make you a viable buyer when you find the right house. Otherwise, you run the risk of falling in love with...

January 16th, 2019 | Purchasing a Home, First-time Homebuyers, Preapproval, First-time Homebuyers should avoid these 5 Mistakes

Happy Holidays from Altius Mortgage

All of us at Altius Mortgage would like to wish you a Merry Christmas and a Happy New Year! We would like to thank you for making 2018 a great year and for the privilege of helping you purchase or refinance your home. We hope that 2019 is a year full of happiness, health and prosperity for you and your loved ones. All the best, Altius Mortgage

December 19th, 2018 Happy Holidays from Altius Mortgage

Credit Report Myths Revealed

There is now a huge wealth of information available about credit scores, especially online. Unfortunately with this flood of information there are many myths and misconceptions about credit being spread. Not everyone is qualified or knowledgeable to speak about credit and these “facts” are causing lots of damage.  Here are some of the most popular and damaging misconceptions about credit:  Fewer credit cards are better for credit.  This is incorrect. In our 25 years of experience the highest credit scores we have seen are on credit that reflects many credit ...

May 13th, 2015 Credit Report Myths Revealed

Cut The Cord on Cable

How to Customize Your Cable and Pay Less It's a win-win: cancelling your cable service and turning to more customized and less-expensive options for your favorite shows. But whether you end up saving money depends on what you like to watch and how many a la carte services you choose. Here's a quick look at your choices. Buy an antenna. Major networks like ABC, CBS, Fox, NBC, etc. are free, but you'll need a modern antenna to pick up the broadcasts. There are indoor versions and those that perch on your roof (which Consumer Reports says are better). Enter your zip c...

May 9th, 2015 Cut The Cord on Cable

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