Blog - West Roseville Mortgage LLC

New Credit And How It Affects Your Credit Score

If you're applying for a home loan within the next few months and considering taking out a loan or applying for new credit before then, you'll want to get the facts.

Published on 06/23/2021

All About Liens and Home Loans

A lien is a property right someone else has on your property and gives the lienholder legal power to take your property as compensation if you default on your payments or break the contract terms.

Published on 06/16/2021

Is Buying A Home With Bad Credit A Smart Choice?

Have less-than-optimal credit? That doesn't necessarily mean you have to put your dreams of homeownership on pause.

Published on 06/09/2021

Is Buying A Home Without Real Estate Agent A Good Idea?

Here's what you need to know about working with an agent and how to go about purchasing a home without one should you choose to.

Published on 06/03/2021

How Does A Home Equity Line Of Credit (HELOC) Work?

A home equity line of credit (HELOC) is a type of mortgage loan that acts similar to a credit card, except the line of available credit is tied to your home's equity.

Published on 05/26/2021

Does Getting Preapproved For A Home Loan Matter?

But despite this stiff competition, it's still a great time to buy! Here are the top advantages of getting preapproved for a mortgage before getting serious about shopping for a home.

Published on 05/19/2021

What Does A Title Company Do?

In this blog, we'll go over how a title company determines legal ownership and the process of transferring the title.

Published on 05/12/2021

What Is A Second Mortgage and Its Benefits?

When you get a second mortgage, you use your home as collateral to gain access to cash locked up in the value of your home.

Published on 05/05/2021

Get the Facts About Escrow Shortages

An escrow account is for making payments toward your real estate fees like taxes and insurance. It helps make these fees more manageable through monthly installments rather than paying a large lump sum when these bills are due.

Published on 04/28/2021

The Basics of Buying A Foreclosed Home

Curious about buying a foreclosed home? Here's what you need to know to get started.

Published on 04/21/2021

Your Guide to Refinancing Your Condo

A condo refi is similar to refinancing any other home. The lender will look at your income, assets, and credit to ascertain your qualification. Plus, the condo will also be appraised to determine the property value. However, since there are more variables when refinancing a condo, such as shared amenities, lenders usually conduct a condo review.

Published on 04/14/2021

Home Inspection 101: A Homebuyer’s Guide

Let's take a closer look at the home inspection process so you know what to expect, and what the inspection does and does not include.

Published on 04/07/2021

How To Remove Mortgage Insurance From Your Home Loan

Read this post to learn the factors that determine if and when you can get rid of your mortgage insurance.

Published on 04/01/2021

5 Best Renovations to Increase Your Home's Value (Plus 3 Worst)

While some remodeling projects add value to your home, others do little to increase it and may even make your home less desirable to potential homebuyers.

Published on 03/25/2021