Brian's Blog

Mortgage and Lending - Success Mortgage Partners, Inc. NMLS #130562 - 229758
   Determined to get a great buy and save money when you purchase a new or resale home or condominium? Most of your "money" challenge rests, not with the purchase price, but with the cost of borrowing money to buy. Saving a few thousand on the purchase price, but jumping into a mortgage without a...
   When you shop for a mortgage loan, you have certain rights that are guaranteed by The Real Estate Settlement Procedures Act (RESPA). RESPA is a consumer protection statute from the Department of Housing and Urban Development (HUD).    RESPA is designed to help you be a better shopper during th...
     On August 1, 2015, loan documents to homebuyers are going to be simpler and easier to understand. Two new forms, a Loan Estimate and a Closing Disclosure, will replace the HUD-1 Settlement Statement, the Good Faith Estimate, and the Truth-in-Lending disclosure form.     The purpose of the ne...
       For some homebuyers, the 4.00 percent 30-year fixed mortgage rate is a line in the sand they have no intention of crossing. As of June 2, 2015, some lenders are already charging 4.125 percent for a benchmark conventional 30-year fixed rate mortgage, according to Mortgage News Daily's Chief...
Question: I am a first time home buyer, and have been pre-approved for a $155,000 mortgage purchase. In my search, I have seen plenty of houses in the $159-165,000 range in good, move-in condition. The problem I am having is where to start my offer. My REALTOR is telling me that those houses are ...
You already know about the tax benefits of buying a home and the long-term financial advantages created by rising home values and bankable equity. But some of the associated benefits of homeownership might surprise you. 1. Pride of ownershipYou understand the idea of pride of ownership, but maybe...
   In order to get into the housing market, many homebuyers are accepting gifts from family or friends in order to meet down payment requirements by lenders. In fact, as of 2012, one in five Baby Boomers has either gifted, loaned or co-signed a loan to help children or grandchildren buy their fir...
Summer is a time for fresh air and fresh linens, sunshiny afternoons and breezy relaxation. Before it hits full force, get your house in order by tackling a few projects that will help you enjoy the season even more. 1. Buy a soaker hose. If you're in a state where foundations can become problema...
    When it comes to home mortgages, there is no such thing as "one size fits all." Homebuyers come to the financing table with all manner of different circumstances dictating the type of mortgage they will need. Fortunately, there are many different types of mortgages available these days, and t...
   Everybody knows how important it is to have great credit when you're buying a house. But keeping your credit good after you've purchased is just as critical. Letting your score take a hit after you close escrow can negatively impact you in a few important ways.Credit Cards   It's easier than y...

Brian Heckman

NMLS #229758 Equal Housing Lender
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