Rates are low… Is it worth it to refinance?

With interest rates dropping to lows we haven’t seen in over 20 months most mortgage lenders are screaming from the rooftop, but here are a few things to look for when you are considering a refinance that most of the other guys won’t tell you aboutRefinancing your loan is the replacement of an existing debt …

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#AskAPro with Jessica Staples and RSQ Dogs in St. George Utah

Getting out in the community and meeting the business owners, volunteers, and workers that drive the St. George Utah local economy is important to me. The #AskAPro series is where we get out and introduce you to the businesses and people who live in our community. RSQ dogs is a non-profit organization that helps animals find …

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This Is How You Can Get Rid Of Mortgage Insurance….Or Avoid It Entirely

Hey everyone, Alex Hernandez here. Your Utah mortgage officer where I help you find and qualify to buy your next home. I’m going to talk about how you can get rid of your mortgage insurance…or ways to never get mortgage insurance to begin with. Lets jump into it!Mortgage insurance protects the lender in the event …

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Your Interest Rate Explained

I absolutely hate it when I see mortgage lenders and companies promoting and marketing super low interest rates that only 1% of people qualify for. They are not lying…but they are seriously stretching the truth. I saw this the other day where I saw an agent here in St. George sharing an image from a …

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Your Mortgage Payment Broken Down

Hey everyone, Alex Hernandez here with Academy Mortgage here in Sunny St. George Utah. Something that I see everyday when helping people just like you buying a new home is they have an idea of what their monthly mortgage payment budget is going to be, but they have no clue what their mortgage payment consists …

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Buying a home in St. George Utah with Little to No Money Down

You may have been taught that you need 20% for a down payment to buy a home… Although that is not the truth, here is how we have helped hundreds of clients at Academy Mortgage buy a home in Utah with little to no money out of pocket using a down payment assistance program. Utah Housing Corporation …

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Don’t Miss This One Thing When Shopping For A Mortgage Loan

Shopping for a mortgage loan can be overwhelming.. Over time Mortgage Lenders have come up with ways to appease to the wants and needs of people like you. You will often hear this from Mortgage Lenders and Banks “We have the BEST rates in town!” “We will beat anyone’s interest rate by an entire point!” …

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Buying a home can be stressful… (this is what you can do about it)

Buying a home can be a pretty stressful situation.. Facilitating a mortgage loan requires a ton of due diligence by the lender and requires a ton of patience from the client. I wanted to share some insight from a mortgage professional to some of the reasons buying a home can be stressful so when you are ready …

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No Cash To Close? This is what I would do…

I recently did a Facebook Live video and I shared what I would do if I did not have enough cash to pay for my closing costs. To set the stage, cash to close is all of the funds required by the buyer of the property to have at and exchange at the closing table. …

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Your credit scores silent killer

Credit scores can be finicky… The three credit bureaus (Equifax, Transunion, and Experian) all rely on algorithms to assess your credit “worthiness” Yes, I said worthiness.. If a friend asked to borrow $100 from you, wouldn’t you want to know their past history when it comes to paying back their debts? Your credit score reflects the likelihood of you …

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