Navigating the Mortgage Process: Tips to Avoid Common Pitfalls

Mortgage Pitfalls

The path to homeownership can be both thrilling and daunting. As a mortgage loan originator with 27 years of experience, I’ve witnessed firsthand the excitement and stress that often come with securing a mortgage. To help you navigate this process smoothly, I’ve compiled a list of common mistakes to avoid during the application and approval…

Read More

FICO Credit Score: Facts vs Myths

Myth: FICO is a credit agency. Fact: FICO stands for the Fair Isaac Corporation. FICO was a pioneer in calculating credit scores based on information collected by credit reporting agencies. FICO scores drive over 10 billion credit decisions per year and is used by 90% of all lenders in the US when deciding whether to…

Read More

Private Road Agreements

Private Road Agreements

It is nice to have property and decide to share road access, wells, and other amenities with your neighbors. It is the American Way. But what happens when it’s a handshake agreement, and a new buyer may not have rights or may be required to maintain part of the road or driveway they are sharing?…

Read More

Borrower Do’s and Don’ts

The Julie Payton Mortgage Team has prepared a list of common Do's and Don’ts to help ensure a seamless closing.

The journey to homeownership is often marked by excitement, anticipation, and the fulfillment of a life-long dream. It can also be fraught with potential stumbling blocks when attempting to secure a loan.

The Julie Payton Mortgage Team has prepared a list of common Do’s and Don’ts to help ensure a seamless closing.

Read More

Step-by-Step Guide to the Mortgage Process

Whether you’re a first-time homebuyer or looking to refinance, the Julie Payton Mortgage Team is here to guide you through the mortgage process. In this step-by-step guide, we’ll walk you through each stage, from pre-approval to closing, and how we partner with you to make your homeownership dreams a reality. Step 1: Pre-Approval Before you…

Read More