The latest posts and resources from the Loan Cabin Team

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Why Title Insurance Is a Must-Have for Homeowners

If you’re a homeowner, you probably have title insurance. There are two types of title insurance: lender’s policies and owner’s policies. A lender’s policy is usually a requirement for any refinance or purchase transaction, but …

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quiet neighborhood home

What Is the Difference Between a Fixed and Adjustable Rate?

Understanding the difference between these two types of mortgages can help you decide what’s best for you! What Is a Fixed Rate Mortgage? Fixed-rate mortgages have an interest rate that stays the same throughout the …

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What Is a Mortgage Pre-Approval?

A mortgage pre-approval is an incredibly useful process that helps you get the home you want! When you apply for pre-approval, your lender will review your finances and determine exactly how much they can lend you …

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What Does a Mortgage Loan Underwriter Do?

Do you fear the underwriter when you’re applying for a mortgage? Most people do, but they shouldn’t. The underwriter holds the key to your loan approval. He/she has the power to approve or deny your …

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What Does a Mortgage Loan Processor Do?

Does the mortgage process overwhelm you? Do you wonder why you must talk to many people, like the loan officer, underwriter, and loan processor? It seems confusing, but it takes a team to underwrite and …

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What Documents Will I Need for a Mortgage Pre-Approval?

If you’re serious about buying a home, you’ll need a mortgage pre-approval. When you’re pre-approved, you can start the house-shopping process in earnest! A mortgage pre-approval will help you nail down a budget and get …

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spacious condo with high rise windows

What Are Points and Credits?

Are you negotiating for your dream house and trying to figure out the best mortgage that will get you the house you want? Mortgage points and lender credits can help you out. Here’s what you …

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The Three Most Important Numbers for Your Mortgage Application

Want to buy a house? If you’re planning to purchase a home of your own, you probably have questions about how to qualify for a mortgage. To get the best rate possible—and to determine whether …

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How Your New Home Can Affect Your Mortgage Pricing Options

Did you know that the details of a property can affect how much you can afford?  Let’s say you’re looking at two homes that are both listed at $500,000. You might think that you could …

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How Your Lender Sees Your Primary Residence vs. a Second Home or Investment Property

Did you know that a lender views your primary residence differently than they’d view a second home, and that an investment property is considered something else altogether?  Should You Get a Steroid Shot for Cystic …

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How to Get Rid of Mortgage Insurance

Tired of paying private mortgage insurance premiums? While PMI may have been a good thing at first—helping you to purchase a home that would have otherwise been out of reach—it starts to add up over …

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How Do Mortgage Rates Work and How Can I Get the Best One?

Wondering how mortgage rates work and how you can get the best rate possible? This is one of the most common questions that we answer as mortgage loan consultants! It’s a smart question because your …

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