Home Ownership Before Mortgages

If you want to buy a home today, you usually start by saving money for a down payment. Once you have the money saved that you’ll need for a down payment, you then begin to look for a home you wish to purchase. Once you find the home you wish to purchase, you contact a…

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What Is A Conventional Mortgage

In essence, a conventional mortgage is a home loan that is not guaranteed or insured by a government agency, like the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), or the USDA Rural Housing Service. Here at Patriot Home Mortgage, we’re happy to talk with you about all of your mortgage options,…

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Questions To Ask Your Lender When Applying For A Mortgage

Purchasing a home can be an exciting time. It can also be an experience that leaves you feeling overwhelmed with questions and uncertainty. This is particularly true if it is your first time buying a home. One of the first hurdles you will need to overcome in the home buying process is determining what financing…

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Tips For Improving Your Credit Score For Better Mortgage Rates

When your credit score is less than ideal, it can feel like you are fighting a losing battle. This is magnified when you are on the hunt for a conventional mortgage. For those who are tired of paying rent every month without building any equity, any obstacle between them and homeownership can feel insurmountable. If…

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8 Reasons to Choose a Conventional Mortgage Part 2

FHA mortgages are incredibly popular among first-time home buyers. FHA home loans require very little down and can be acquired even with credit scores below 600. This makes FHA loans the natural first choice of many new home buyers. However, you may be surprised to learn that conventional loans have many benefits over FHA loans,…

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8 Reasons to Choose a Conventional Mortgage Part 1

There are so many reasons to choose a conventional mortgage. Often, when people start the homebuying process for the first time, they automatically assume that an FHA loan is the right option for their needs. However, conventional loans are a better option than many people might think, and there are many reasons why a conventional…

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How Much Conventional Mortgage Can I Afford?

When you decide to buy a new TV, there are probably a couple of questions you ask yourself before diving into the purchase. Those questions probably include things like: Can I afford it and still be able to pay the bills? Which model will provide all the qualities I’m looking for? Is it a good…

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How A Conventional Mortgage Works

Buying a new home can be — and should be — an exciting time in your life, whether this is your first home or your fifth or even your fifteenth. Of course, if you don’t have an idea of how you’ll finance a new home before you start looking, the home buying process will be…

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When A Conventional Mortgage Is Your Best Option

Buying a new home should be an exciting, heart-warming time. After all, you’re not just choosing somewhere to live, you’re choosing somewhere to make memories with family and friends. It may be where you watch your kids or grandkids grow up, or it may be your first foray into true adulthood. Either way, a home…

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