Deposits and Transfers


During the mortgage process, there are typically two types of financial transactions that may occur: deposits and transfers. Let’s take a closer look at each of them: Deposits: Earnest Money Deposit: When you make an offer to purchase a property, you may be required to provide an earnest money deposit. This deposit shows the seller…

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Mortgage Pre-approval

nsmn Mortgage app pic

Here’s some general information to help you understand the mortgage pre-approval process: Gather your financial documents: To get pre-approved for a mortgage, you’ll typically need to provide documents such as pay stubs, W-2 forms, tax returns, bank statements, and proof of assets. This information helps us assess your financial situation and determine how much of…

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Investment Property Loans


Are you thinking about purchasing your own property with the intention of either renting it out or selling it? Investing in a property can be an excellent source of additional income, and investment property loans can help a borrower finance the purchase of a home for the purpose of renovating it, then renting it out…

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Lowering Your Debt By Refinancing Your Mortgage


If you currently have a significant amount of debt and you own your current residence, you may be looking for some ways to reduce the overall amount of money that you owe. One solution to managing your debt while also lowering your monthly mortgage payments at the same time is refinancing your mortgage for a…

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Reverse Mortgage For Retirees


If you are a retired homeowner interested in gaining some supplemental income or purchasing a different property, you may want to consider a reverse mortgage. A reverse mortgage is a loan that is taken out of the equity that you already have in your home. There are many factors to consider when applying for a…

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Current Housing Market Conditions In Northeast Florida


If you are interested in purchasing a home in the area of northeastern Florida, you have probably noticed that the current housing market is challenging and competitive. High housing prices and a limited amount of available housing are some of the factors contributing to the state of the market. Despite the current challenges, it is…

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Housing Market Guide for Jacksonville, Florida


The real estate market in Jacksonville, Florida, has been thriving recently with many homes being built and sold, more investments being made, rents increasing, and new property options becoming more and more available. If you are interested in either buying or selling a home in northeast Florida, and have questions about the latest real estate…

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What Are the Pros and Cons of Waiting Out the Housing Market?


The housing market has rebounded strongly since the pandemic, and even with recent increases to interest rates this year, the housing market remains steady and people continue to buy up more homes. This has led many to wonder if they should purchase a home immediately, or wait to see if the market comes down. If…

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Should I Wait For the Housing Market to Decline To Buy a Home?


As home prices continue to rise in the United States, many wonder if there will be an eventual housing market crash similar to the one that occurred during the great recession in the mid 2000’s. Many people that are interested in purchasing a home are not sure if they should buy now, or wait for…

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Equifax, Experian, and TransUnion Support U.S. Consumers With Changes to Medical Collection Debt Reporting


Equifax, Experian, and TransUnion Support U.S. Consumers With Changes to Medical Collection Debt Reporting Joint Measures from Consumer Credit Reporting Agencies Remove Nearly 70% of Medical Collection Debt Tradelines from Consumer Credit Reports. Effective July 1, 2022, paid medical collection debt will no longer be included on consumer credit reports. In addition, the time period…

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