Author: Anne

Why save for a down payment?   While you can buy a home with very little down with certain loans, it’s not always the best choice.  Something to consider is the need for Private Mortgage Insurance (PMI).  This is the insurance you pay on low down payment mortgages – it protects the lender and investors from […]

You’re looking to buy a house and you need a mortgage.  But how do you prepare?  What do lenders look for?  What are you evaluated on?  Deep breath.  We can help.  We’re people just like you, with families and homes – and we happen to be pretty good at mortgages too, so we’ll shoot you […]

Bankruptcy is a hard topic – people have a lot of questions, but often are afraid to ask.  Not here!  We’re here to help you, no matter what your situation.  Honestly, against popular belief – bankruptcy isn’t that uncommon.  It happens all the time, to all kinds of people, in a variety of situations.  No […]

We hope your family had a great Independence Day!  Most of us here spent time with our families, celebrating and honoring those who won our freedom to live the way we do today – with the right to life, liberty, and the pursuit of happiness.  Coming back to work today made us think about why […]

You’ve thought about buying a house – but you’ve got some qualms. That’s normal – but there are simple answers to most of the “complicated” questions in your head.  We have a couple of tips and explanations that will hopefully calm your first time home buyer fears – and we’ll introduce you to one of […]

You put a lot of thought into buying a house – but if you’re anything like me, you generally leave most conversations wondering, “Did I ask everything I meant to ask?”  That’s not a good feeling even when you’re purchasing something small, let alone purchasing a HOME.  So we’ve compiled a list of questions to […]

Private Mortgage Insurance, or PMI, is the insurance you pay on low down payment mortgages.  It protects lenders and investors from defaults on a mortgage loan. Typically, you have to have mortgage insurance if you have a down payment of less than 20% of your home’s purchase price.  Qualifying for low down payment loans can […]

Safety in the home is important, especially when you have kids. At the same time, when you’re living the crazy life of a parent, remembering what safety features to double check can be hard. So if you’re looking to move and evaluating a house (or double checking the safety of your own home) here are […]

We truly appreciate our military.  So after Memorial Day, we thought we’d do a post to help our military friends by covering VA loans.  A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs (VA).  And it may be exactly what you or a military family you love needs. Benefits […]

What do you clean to show your house, especially when you have limited time before an unexpected showing?  You can be a generally neat and tidy person, and you can still be stressed out by the idea of making your house “shine” – especially if you have kids.  Never fear!  We’ve got some tips on […]

There’s a lot of ways that you could increase the value of your home before you sell – and a lot of them don’t have to break the bank.  Normally it’s not the brand new Jacuzzi that sells the house.  It’s a combination of a lot of smaller things that make potential buyers feel like […]

When you or your family are moved to give to others… we’re guessing that it usually doesn’t go to the biggest, shiniest places.  It goes to the places that hit close to home – that hit your heart. I guess we feel the same at United Faith Mortgage.  We feel blessed to have gotten to start this […]