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Learn About PMI

When purchasing a home, the primary way of avoiding paying Mortgage Insurance (or MI) is by putting a down payment toward the home of 20% or more.  This can be a daunting task if there are not enough assets to commit to this amount of money.  Paying MI is frustrating because it is money spent that goes toward no part of the equity of your home.  MI is designed to protect the lender against loss as loans with less than 20% down are characterized as being of higher risk to the lender.  It does not benefit the customer in any way.  As a result, customers prefer not &ldquo...

November 30th, 2016 | Combo Loan, Learn About PMI

The Alpine Team VA Purchase Loan

In the mortgage lending, one of the most flexible and sometimes the lowest priced loan program is the VA purchase.  Designed to assist our military veterans, this loan product has a 0% down payment requirement and carries no Mortgage Insurance.  It is the only product of its kind that allows for these parameters. As a way of giving back some benefit to our Veterans and their families, this government backed loan product is a unique loan that can help make homes more affordable to our country’s service members.   One challenge of VA loans is getting the Veterans to un...

September 24th, 2016 | VA Loans, Purchase Loans, First Time Homebuyer, homeloan, Pre-Approval, The Alpine Team, thealpineteammortgage, The Alpine Team VA Purchase Loan

The Alpine Team cares about our Seniors

We are a member of the National Reverse Mortgage Lenders Association (NRMLA). Our Reverse Mortgage Counselors adhere to and maintain standards and a code of conduct that are aimed at protecting the interests of the senior community and their families.   We realize that although Reverse Mortgage products can be an excellent financial solution, they may not be the cure all for your financial needs.   Our customary methods in terms of consumer safeguards for senior citizens include:    A personal, one-on-one consultation with an expert Reverse Mortgage C...

July 17th, 2016 | Reverse Mortgage, Purchase Loans, Down Payment, homeloan, thealpineteammortgage, The Alpine Team, The Alpine Team cares about our Seniors

The Alpine Team DOWN PAYMENTS

Here with The Alpine Team Mortgage offer several available options for customers who have little available for down payment when purchasing their home.  Depending on the customers’ needs, income, credit score, possible military background, and location of the property, the minimum down payment requirements range from 0% ( VA and USDA loans) to 5% (Conventional/Fannie Mae loans).  Another option for customers is an FHA loan.  This is a loan where only 3.5% of the home’s purchase price is required for a down payment. It is popular among first-time homebuyers as well as...

May 24th, 2016 | Down Payment, Purchase Loans, thealpineteammortgage, VA Loans, 401K, The Alpine Team DOWN PAYMENTS

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