CUTX News
Buying a Home
Buying a Car
Fraud Protection
Home Improvement
Improving Your Credit
Managing Your Money
CUTX News
Buying a Home
Buying a Car
Fraud Protection
Home Improvement
Improving Your Credit
Managing Your Money

Complete Guide to Buying a Home

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Complete Guide to Buying a Home

Whether it's your first time or your 15th, buying a home is always a complicated process that requires a lot of research and planning. This is especially true if you're attempting to buy a new home and sell your current home at the same time.
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Cost to Refinance Your Home

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Cost to Refinance Your Home

Costs to refinance your home can run from $0 upfront, to several thousand dollars, depending on how the loan is structured. Usually it's between 2% and 5% of the amount of the loan. Getting your home mortgage refinanced is, sadly, no less complicated...
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Does a Mortgage Refinance Make Sense?

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Does a Mortgage Refinance Make Sense?

How do you know if it makes sense to refinance your mortgage? After all, it can be an ordeal, it can cost thousands of dollars, and it can take a significant amount of time. Even though there’s no rule against refinancing as many times as you like...
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The Complete First-Time Home Buyers Guide

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The Complete First-Time Home Buyers Guide

Buying a home for the first time can be as exciting as it is nerve-wracking. You want to find the perfect home for a great price, and you want to do it quickly. But where do you even begin?
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Guide to Low Down Payment Mortgage Options

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Guide to Low Down Payment Mortgage Options

It may seem like mortgages that let you pay a small down payment are few and far between. However, they’re the norm. A _National Association of Realtors 2017 survey said 88% of home buyers financed 90% of their home purchase.
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Guidelines for FHA Loans

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Guidelines for FHA Loans

Back in 1934, after the Great Depression, the federal government started insuring mortgages as part of FDR’s New Deal and have been doing so ever since. FHA Loans are issued through the Federal Housing Commission. These loans are mortgage loans backed...
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Home Projects To Do Before You Move In

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Home Projects To Do Before You Move In

Moving into a new home can be equal parts excitement and stress. To keep your eye on the prize, get started early! There are a handful of house projects you can take on before you even move in, so when your new home is a sea of boxes, you’ll still feel...
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How Much Money Should a First Time Home Buyer Put Down?

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How Much Money Should a First Time Home Buyer Put Down?

It’s tempting, when thinking about buying a first home, to compare the price of a month’s rent to that of a monthly mortgage payment—apples to apples. So, if your rent is $1,000 and the mortgage payment would be $1,000, why not buy the house?
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How Much Mortgage Can I Afford?

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How Much Mortgage Can I Afford?

You’ve decided to explore homeownership — it’s a thrilling time. And it’s also a time to do some research. One of the first questions you’ll ask in your quest is, “How much mortgage can I afford?” As you scan homes for sale, you’ll notice there are...
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How to Choose the Best Mortgage

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How to Choose the Best Mortgage

What kind of home mortgage loan is the best loan for you? There's a lot of advice on the Internet touting different kinds of loans, but really it depends on who you are and what your plans are for the future. It depends on how you like to pay for...
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How to Find And Choose a Mortgage Lender

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How to Find And Choose a Mortgage Lender

Mortgages are complicated. There are obscure terms many people are unfamiliar with, and all kinds of calculations that determine which is the best mortgage for you. The important thing is to find a lender who is interested in earning your business and...
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How to Get Rid of Mortgage Insurance (MIP/ PMI)

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How to Get Rid of Mortgage Insurance (MIP/ PMI)

What is mortgage insurance? Mortgage insurance is a type of protection set up by the mortgage lender as a safeguard against a buyer defaulting on their home loan. Insurance is often required for no down payment or low down payment mortgages.
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How to Get the Best Mortgage Rate

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How to Get the Best Mortgage Rate

Your mortgage will probably be the most complicated loan you’ll ever have. So, it’s important to get the lowest rate possible, especially if you are going to pay for it over a long period of time. We are just going to concentrate on how to get the best...
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How to Refinance Your Home

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How to Refinance Your Home

There are a lot of reasons to refinance your home. When interest rates drop, people often refinance to get a lower rate and lower payment. Borrowers with an adjustable rate mortgage frequently start with a 1- to 5-year fixed interest rate and...
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Mistakes First-Time Home Buyers Should Avoid

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Mistakes First-Time Home Buyers Should Avoid

Buying a home is a big undertaking. First-time and even veteran home buyers are prone to missteps, but with this guide, you can avoid many of the most common homebuyer mistakes
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Prepare Your Home To Sell Fast

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Prepare Your Home To Sell Fast

"Bathrooms and kitchens sell houses," is an adage for a reason. According to HGTV, a basic bathroom remodel tends to yield a 102% return on your investment. But wait, there's more! We've got a few additional recommendations for putting your home's best...
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Advantages & Disadvantages of Fixed Rate Mortgages

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Advantages & Disadvantages of Fixed Rate Mortgages

When choosing a mortgage, you need to consider a wide range of personal factors and balance them with the economic realities of an ever-changing marketplace. In any long-term scenario an individual’s personal finances often experience periods...
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What are Closing Costs on a Mortgage?

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What are Closing Costs on a Mortgage?

When people talk about home buying, they often say, “Don’t forget about closing costs.” What the heck are closing costs? On the day a buyer goes into the lender’s office and signs all the loan and home purchase paperwork, they will also be "signing...
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What Debt-to-Income Ratio Is Good When Applying For a Mortgage?

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What Debt-to-Income Ratio Is Good When Applying For a Mortgage?

DTI refers to your ‘debt-to-income’ ratio, and it is one of the ways lenders determine whether you can afford to take on a new loan. Your mortgage lender needs to be assured that you can repay the money you’ve borrowed, and of your ability to take on...
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What Does My Mortgage Payment Include?

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What Does My Mortgage Payment Include?

Whether you're in the process of applying for a mortgage, or whether you've just taken a closer look at your mortgage statement and noticed the breakdown of all the components of your payment, you may be wondering what all of these charges are for.
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What is an Adjustable Rate Mortgage (ARM)?

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What is an Adjustable Rate Mortgage (ARM)?

You’ve decided to become a homeowner — congratulations! Maybe you’ve spent time over the weekends visiting open houses and have an eye on a particular neighborhood. It’s an exciting time, but before you start picking out new curtains you will need to...
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What is an FHA Loan?

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What is an FHA Loan?

FHA Loans are simply mortgage loans insured by the government through the Federal Housing Administration (FHA). They typically offer low down payments on a home mortgage to those that qualify. What is the FHA?
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