What is it and How Does it Affect Me? At its core, a debt-to-income ratio is exactly that: a comparison between the amount of debt you have versus the amount of money you make. From a lender’s perspective, if you... Read more
Qualifying for a mortgage may appear to be a simple process, but in all reality, the process can be quite intricate. The steps to obtaining a new loan or mortgage will be different from one bank to another. Here are... Read more
When you are considering buying a home for the first time, the options involved can be overwhelming. However, the questions of neighborhood, house size, mortgage, etc. become much simpler if you proceed one step at a time. Buying your first... Read more
Whether you are planning to sell your home soon or are planning to be there for the long haul, there’s no time like the present for a refresh. But will putting in that backyard pool add to your home’s value?... Read more
While it can be daunting, don't let anyone tell you that you'll never get a mortgage if you're self-employed. Armed with the right information and a little persistence, you'll be able to have your own home and home office, too.
If you’re considering a home purchase, first ask yourself if you’re on strong financial footing and ready to commit. Many young would-be homeowners are struggling to answer this question while burdened with student loan debt. Affecting more than 40 million... Read more
When the market shifts to a seller's market, your home buying strategy should change with it, and we’ve got the tips to help you succeed.
Many Americans dream of someday owning a home. This dream, for most, is reliant on getting proper funding from a mortgage lender. And up until now, the process was fairly easy to plan for: pay down your credit cards, boost... Read more
WHY THE CHANGES? The new TILA-RESPA Integrated Disclosure rule (TRID) is meant to simplify and clarify. These TRID updates are an attempt to improve and correct potential flaws with the current regulations. Here we have detailed some of the ways... Read more
As the COVID-19 outbreak continues to develop and impact our daily lives, we want to assure you that Capital City Home Loans is prepared to help you through this unprecedented time. All of our associates are following protocols based on... Read more