Indianapolis Area Real Estate Blog

Real Estate Financing

How to Buy a House with No Credit Score

Good credit is necessary for easily securing a home mortgage. But what if you don't have a credit score? First things first: most people do have a credit score. If you have debt of some kind, like a school loan or credit card, then you ...

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Mortgage Approval is NOT Set in Stone

You've found the Indianapolis home you want to buy and have been approved for a mortgage. Congratulations! You are on your way to being a homeowner. Now that you have approval, make sure you don't do anything to sabotage it. Since there may be 60 ...

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Previewing The New Good Faith Estimate

  The new Good Faith Estimate makes its debut January 1, 2010. The new format will make it easier for Indianapolis home buyers to compare loans. Expanded from 1page to 3, the legislators responsible for the new Good Faith Estimate want it ...

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Simple Real Estate Definitions : APR

APR is an acronym for Annual Percentage Rate.  It's a government-mandated calculation meant to simplify the comparison of mortgage options. A loan's APR can always be found in the top-left corner of the Federal Truth-In-Lending ...

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2010 Conforming Loan Limits

A conforming mortgage is one that, quite literally, conforms to the mortgage guidelines set forth by Fannie Mae or Freddie Mac. Each year, the government sets the maximum allowable loan size for a conforming mortgage, based on 'typical' housing ...

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Real Estate Terms : Escrow Account

An escrow account is a designated savings account into which funds get deposited for a specific purpose. With respect to real estate and home loans, escrow accounts are used to pay real estate tax bills and homeowners insurance payments. Escrow ...

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Real Estate Terms - FICO

The basis of most mortgage lending is credit scoring.  In general, the higher a person's credit score, the lower his offered mortgage interest rate. Despite the many credit scoring models in use today, however, just 3 are relevant to ...

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Simple Real Estate Definitions : Refinance

A mortgage is a contract between a lender and borrower, defining the terms by which a home loan must be repaid.  The paperwork, signed by both parties, includes provisions for things like: The interest rate The length of the loan The amount ...

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