Northpoint Mortgage

Credit Score Quiz...Understanding what can impact my credit score

Most financial services companies use a credit scoring model called FICO to determine if you qualify for their programs, as well as what to charge you for these products and services. In addition to your mortgage, your credit score can affect what you pay for your credit cards, auto insurance, and a ...
Read More...

Why do I receive so many Credit Card offers in the mail?

If you're like me, you receive about a billion "pre-approved" credit card offers in the mail each week. If so, you've probably asked yourself "Where do these come from and how can I make them go away?"  The bad news: It is common practice for the three credit repositories (Experian, Equifax and ...
Read More...


Finding your Dream House only to discover no Bank wants to lend on it.

Imagine finding the house of your dreams only to discover you couldn't find a Lender that would offer you a mortgage for it.  Excitement had turned into disappointment when I first spoke to Steve & Lisa. A house with a beautiful view, but not without some challenges.  Located on a private r ...
Read More...

Seven Things Your Agent Should Know About Your Mortgage Approval

While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pric ...
Read More...


Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate due to a job ...
Read More...

What Do Appraisers Look For When Determining A Property's Value?

Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property. A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed their physical property inspection. However, th ...
Read More...