Biweekly payments

Many homeowners prioritize paying off their mortgage quickly. Making biweekly mortgage payments is one way to reduce interest costs and shorten the loan term.What Are Biweekly Mortgage Payments?Biweekly mortgage payments involve splitting your regular monthly mortgage payment in half and paying that amount every two weeks. Since there are 52 weeks in a year, this results in 26 half-payments—or the equivalent of 13 full monthly payments—instead of the standard 12. These two extra...

Autopay

Managing bills each month can be a daunting task, especially when juggling multiple financial commitments. One effective strategy to streamline this process is setting up automatic payments. Automatic payments, also known as ACH or auto-debits, allow customers to authorize a company to automatically deduct the regular mortgage payments from their bank account. We call this service Autopay. This hassle-free service allows you to set it up and not have to worry about forgetting to make your...

Top 4 Reasons to Refinance Your Mortgage in 2025

Homeowners across the country are looking for smarter ways to manage their finances—starting with their home loans. One of the most effective ways to cut costs, improve terms, and unlock cash flow is to refinance your mortgage. With changing mortgage rates and evolving financial needs, this year may be the perfect time to consider a refinance.Here are the top 5 reasons why refinancing your mortgage in 2025 could be a game-changer for your financial health.Take Advantage of Lower Mortgage...

Extra cash? Find out if a recast is right for you

If you've come into some extra money - maybe from a bonus, inheritance, or tax return - a mortgage recast could be a smart way to lower your monthly payments without changing your loan terms. 

All About Your Credit

Credit is an agreement to borrow money with the promise that you will pay it back at a later time through scheduled payments.How Credit Influences FinancingMaintaining good credit is key to financing a home purchase. In fact, your credit is one of the first things lenders examine when considering you for a loan.What can you do to improve your credit – and your chances of getting a mortgage? Making payments on time is an important way to establish good credit. A pattern or history of...

How to Use a Mortgage Calculator to Plan Your Home Purchase

Buying a home is one of the biggest financial decisions you’ll ever make, and proper planning is key. A mortgage calculator can be your best friend when it comes to home loan planning. It gives you a clearer picture of your monthly payments, total interest costs, and how different factors impact your loan.What Is a Mortgage Calculator? A mortgage calculator is an online tool that helps estimate your monthly mortgage payment based on the home price, loan term, interest rate, down payment,...

CCPA Form

CCPA Request Form

Abstract of Title

A summary of the property's title history. Based on information found in public records, it is used to list the property's transfers of ownership, and to determine if there are any liens or defects that must be cleared before the sale.

Balloon Mortgage

A short-term loan that is paid off through fixed monthly payments, followed by one large, final payment (the 'balloon') of the entire remaining loan balance. The balloon mortgage is amortized as though it were a long-term fixed rate loan, resulting in low monthly payments, but after a specified time period (usually five, seven or 10 years) the entire remaining balance is due and payable in full.