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Understanding Your Credit Score

Posted by Home Point Financial on

A credit score is what lenders utilize to determine and evaluate what risk is associated with lending someone money. A credit score is typically needed before opening up a new line of credit, auto loan, a mortgage, or any other type of loan. Navigating a credit score report may be confusing, so here are the top things you need to know to understand your credit score....
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Making Smart Decisions When Applying for a Loan

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Navigating all of the different types of loans and what you can afford as you begin the mortgage process may get confusing. Home Point Financial Corporation is here to help. It is important to make smart decisions when applying for a loan, especially in regards to your credit score, so here are some quick tips!...
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Celebrating Our Communities this Thanksgiving

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Thanksgiving is a time to reflect on our lives, celebrate with family and it’s the unofficial kick-off to the holiday season. As we move into this busy time of year, and in the spirit of the season, it’s important to remember to give back and help those within our communities that may not have the means for everything they need, including food, clothes and shelter....
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Tips For a Trouble Free Thanksgiving

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Thanksgiving is full of a lot of time in the kitchen. This can get stressful, especially as tensions run high when it is getting close to the feast! Use these tips for a trouble free Thanksgiving so that you can enjoy your time with family instead of being stressed....
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Thanksgiving Countdown Guide

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Anyone preparing Thanksgiving dinner can attest to the long hours spent in the kitchen leading to the delicious meal. However, with a solid plan and preparation, this Thanksgiving you can safely breeze through the cooking process and spend more time with your family....
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Fall Homeowner's Checklist

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For a homeowner, fall is the perfect time to make sure your home is in tiptop shape. The winter season puts a large burden on your home, so proper maintenance and protection during the fall will ensure your home makes it through whatever winter brings our way!...
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Reverse Mortgage Changes

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A reverse mortgage can be a great tool to utilize as a homeowner over the age of 62, but in 2015, new rules and regulations have been passed by the Federal Housing Authority and the Department of Housing and Urban Development that are designed to ensure that borrowers who apply for a reverse mortgage are financially sound and capable of handling the loan. As of April 27th, borrows will need to meet the requirements of a financial assessment....
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Connecting, Networking and Creating Community

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Home Point Financial is a community-based organization. Our roots are important to us as well as getting involved on a local level. We empower our branches to support the community through sponsorships, support and events. It’s this community connection that keeps our staff in touch with customers through establishing quality partners and providing solutions for our clients....
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New Closing Disclosures – Clarity Before Signing (Consummation)

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In an effort to help consumers understand their loan terms and fees before signing on closing day, the Closing Disclosure (CD) is now required at least three business days before closing. The design of the new document is to educate consumers on what the terms are in the short and long term and provide more clarity for associated loan and closing fees....
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Tips for the First Time Homebuyer

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For the first time homebuyer, the prospects of what it actually takes to buy a home can be scary and overwhelming. Home Point Financial Corporation put together this list of the top things first time homebuyers should know before starting this process....
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The New Loan Estimate - Understand Your Loan

Posted by Home Point Financial on

As part of the 'Know Before You Owe' rule that was effective on October 3, 2015, loan applicants are now required to receive a Loan Estimate (LE) within three days after an application is received. This document is designed to help consumers understand the key features, costs and risks of the loan through an easy-to-read format that highlights the most important details pf the loan transaction....
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