Category Mortgage

Buying A House, First Time Home Buyer, Mortgage

Everything You Need To Know About Gift Money For A Down Payment To Buy A House

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Many find the financial hurdles of buying a home overwhelming, especially when it comes to gathering enough money for a down payment and closing costs. Gift funds, a financial gift from family or other eligible donors, can make it possible.…

Kevin Vitali
April 23, 2024
5 Comments

First Time Home Buyer, Home Buyer, Mortgage

The Power of the Mortgage Pre-Approval Letter

Looking at homes is fun, but talking about the money isn't. At the first thought of buying a home, speak to a lender and get a mortgage pre-approval letter. It's an easy step. You will know your numbers down to the penny, and it provides you with many benefits throughout the home buying process.

Kevin Vitali
November 20, 2023
29 Comments

First Time Home Buyer, Mortgage

Credit Karma: Boost Your Credit Score and Financial Fitness

Learn everything you need to know about Credit Karma. The company provides free credit scores through their VantageScore with insights on how to improve your credit, provide offers that fit credit profile and more.... Credit Karma is a decent tool to help maintain your financial health.

kevin@kevinvitali.com
September 26, 2023

First Time Home Buyer, Home Buyer, Mortgage

How Much Down Payment Do I Need for a House?

Are you wondering how much down payment you need to buy a home? A common misconception is you need 20%, But, in reality there are many loan programs that only require 3-5% for a down payment. And there are a few government programs where you need nothing!!

kevin@kevinvitali.com
September 7, 2023

First Time Home Buyer, Home Buyer, Mortgage

What is Private Mortgage Insurance? Do I Need PMI? How Do I Avoid PMI?

What is PMI or Private Mortgage Insurance. PMI protects a lender if a homeowner should default on their mortgage. It is an insurance many lender require for low money down borrowers.

Buying A House, Mortgage

Is A 7/1 ARM Worth Considering When Buying A Home?

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If you have been thinking about buying a home in the past year or two, it has been a rollercoaster ride for many looking to buy a home. First, home prices were appreciating so fast, and then by the spring…

Kevin Vitali
January 26, 2023

Buying A House, First Time Home Buyer, Mortgage

Appraisal Gap- Get Your Dream Home Under Contract!

An appraisal gap is when a home appraisers for less than the purchase price of a home. In a hot seller's market, we are seeing this happen on many homes. Home buyers are willing to provide appraisal gap coverage to the home seller and waive their appraisal contingency.

Kevin Vitali
June 15, 2021

Buying A House, First Time Home Buyer, Mortgage

How To Buy A House With Bad Credit

Buying a house with bad credit is certainly possible. With a little work and finding the right loan program you can buy a house tih poor credit.

Kevin Vitali
November 16, 2020
1 Comment

First Time Home Buyer, Mortgage

Shopping For Your First Mortgage As a First Time Home Buyer

Shopping a Mortgage as a first time home buyer has many facets. Learn how to get the best mortgage on your first home. There is more involved than just interest rate.

Kevin Vitali
February 6, 2020
3 Comments

First Time Home Buyer, Mortgage

25 Mortgage Terms You Should Know When Buying A Home

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Buying a home is filled with many complexities. One of the more intensive parts of buying a home, whether you are a Massachusetts first-time homebuyer or a seasoned homeowner is securing a mortgage. The process is filled with mortgage terms…

Kevin Vitali
January 4, 2019
1 Comment

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