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Category: Mortgage Basics

Home Archive by Category "Mortgage Basics"

What is a Refinance Mortgage?

May 2, 2020No Comments

Gaining a new mortgage to substitute the first loan is what a refinancing of mortgage means. Refinancing is made to let a borrower a more favorable interest term and rate. The first loan is paid off, enabling the second loan to be performed rather than just making another mortgage and thrusting out the original mortgage. For borrowers with excellent credit…

What is a Mortgage Lender?

April 25, 2020No Comments

When we talk about owning a house, we are looking forward to how much it cost for us to own one; of course, ideally, you will think of choosing the best one you think that could fit your living and budget. But with the small savings, how could you materialize it? There is where a mortgaging helps you. A mortgage…

Mortgage Broker: The one who can help you with your Mortgage

April 18, 2020No CommentsCherry Anne Labustro

It is not that easy to find and decide where and when you want to look at a house to purchase. There are things to take into considerations, mainly the amount of the property you intend to buy. We all know that buying properties nowadays is not cheap, depending on its location and style. Through the years, financial institutions have…

Mortgage Rates Explained

April 11, 2020No CommentsCherry Anne Labustro

Most of the people, when they plan to purchase a house, the first thing to come up to their mind is to borrow or loan a certain amount of money needed to augment the full price to purchase the house. It may not be practical, though when savings are not enough to purchase your dream house, you borrow or loan…

Houz Mortgage | Mortgage Calculator

Why is the Mortgage Calculator Important?

April 4, 2020No CommentsCherry Anne Labustro

A mortgage is a loan by a bank or any other financial institution that a person can use the finance to purchase a home; in short, it is a secured loan taken out from the bank to buy or buy a property or land. Remember that a mortgage is different from other loans like student loans and personal loans since…

When Refinance Mortgage Is the Best Option

February 14, 2020No Comments

WHEN REFINANCE MORTGAGE IS THE BEST OPTION Refinancing your mortgage refers to taking out a new home loan. Your new mortgage lender will make payments to your old loan, which means you are now in agreement with the new lender. Considering how low the mortgage rates are now, refinance mortgage can make sense. The process of refinancing works the same…

Why You Need a Mortgage Lender When Buying A Home

February 9, 2020No Comments

Every home buyer has different needs and reasons when looking for a property. However, these people have one thing in common, and that is the need for money. With this, they turn to lenders. A mortgage lender can be a firm or a person that loans a specific amount of money to a borrower. The loan comes with the condition…

Why You Need To Use A Mortgage Broker In Your Home Search

January 28, 2020No Comments

WHY YOU NEED TO USE A MORTGAGE BROKER IN YOUR HOME SEARCH Mortgage brokers act as a middleman between the homeowner or borrower and the mortgage lender or bank. Whether it is refinancing or purchase mortgage, the brokers help the consumer qualify for a home loan. Therefore, a mortgage broker can help shop for the best rates with several lenders,…

Finding the Best Mortgage Rates for You

January 19, 2020No Comments

FINDING THE BEST MORTGAGE RATES FOR YOU A mortgage is a critical investment that requires proper planning and preparation. Despite the rise of mortgage rates in the last few weeks, making home buying an expensive investment, it does not affect the interest of people to purchase a new home. Obtaining the best mortgage rate is more than comparison shopping and…

Houz Mortgage | Mortgage Calculator

What Is a Mortgage Calculator and How You Can Benefit From It

January 11, 2020No Comments

WHAT IS A MORTGAGE CALCULATOR AND HOW YOU CAN BENEFIT FROM IT If you are planning to purchase a home, knowing how much you can spend within your budget may seem like solving a difficult puzzle. Before you go on a lookout for properties to acquire or call a mortgage broker to begin your home loan application, use a mortgage…

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Terms and Conditions Apply. HOUZ MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet Houz Mortgage’s and/or investor underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Licensed by the Colorado Division of Real Estate. Houz Mortgage loans are originated by Colorado Homesmartz, LLC DBA Houz Mortgage, NMLS # 1578407. (www.nmlsconsumeraccess.org)

Lowest rates are reserved for most creditworthy applicants; not all who apply will qualify for the top tiers. Rates and APRs are subject to change and may not be available at the time of lock or loan commitment. Interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. APR for adjustable rate mortgages are subject to increase after fixed rate period and does not include 3rd party costs or prepaid interest. Please contact one of our Licensed Mortgage Loan Originators at (303) 649-1245 for a customized rate and payment quote.


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COVID-19 Update

March 12: Today, we closed Houz's Englewood office and asked everyone based there to work from home as a precaution due to COVID-19. Houz was prepared for this and is fully functioning during this time. Please do not bring any paperwork to the office and make alternative arrangements by calling (303) 649-1245 or by contacting your personal loan team until further notice.