Kristin Abouelata - Home Loans

When buying a home, most people only concern themselves with the interest rate and the type of loan they are getting. However, the loan to value may be another aspect to take into consideration.

When you apply for a mortgage these days, lending institutions gather enough information on you to form an independent DNA sample (not really, but you get the picture). What steps should these organizations take to protect you from identity theft?

When applying for a loan, a mortgage lender cares more about your past than your future. And sometimes, a lender cares more about your past than the present……

How can two borrowers can buy the same house, and get completely different interest rates? There are multiple considerations to take into account when a lender is pricing an interest rate for a customer……

The Housing Assistance Tax Act, which is a section of the recently passed Housing and Economic Recovery Act, provides some incentives to put the residential housing market back on it’s feet. Are you in a position to take advantage of them?

Coming up with a down payment or money for closing costs for a home loan can be a challenge these days. What extra money you were setting aside may all of sudden be going toward your gas tank or your grocery bill. To obtain your dream of homeownership, it may be time to accept that gift from Mom and Dad………

When you finance your home, it’s very typical to see money set aside into an escrow account. What purpose does an escrow account serve, and do you have to have one?

When considering a mortgage, oftentimes a borrower is perplexed by the question of whether to pay a “point” for a certain interest rate offered by their lender. What exactly are points and when should you pay them?

Sometimes loans don’t close when they are supposed to close. It’s usually not your lender’s fault. What exactly can cause your loan closing to be delayed?

If you haven’t negotiated a bunch of home contracts, you may not be aware that you can ask the seller to pay a portion of your closing costs. Just how does that work?