Mortgage Paperwork Is Getting Easier

May 22nd, 2019
onerous paperwork image

Here at Capital Bank Home Loans we have a new dynamic loan application that we use. Being dynamic means that it can potentially verify your assets and income during the application process, allowing you to avoid having to upload any documents. And of course we all love to avoid paperwork!

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How Being an Authorized User on a Credit Card can Help or Hurt You

October 1st, 2018
How being an authorized user can help or hurt you

For most people, your ability to get approved for a mortgage, and the terms you’re offered, depends on your credit report and your history of managing debt responsibly.

Under some circumstances, your credit score can be affected by loans you’re not even responsible for paying.  Read the rest of this entry »

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Documentation Requirements For A Mortgage

March 28th, 2013

A client told me that he was due to be a father any day now and was having a baby girl. He told me that he hoped she turned out to be a good credit risk and could be able to get a mortgage as an adult. It made me laugh that he made this joke about the boring mortgage industry, and it made me realize how ludicrous the mortgage rules have become.  Read the rest of this entry »

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