Welcome to the Buyer Learning Center
Have you been thinking about buying a new house soon? Well, this is why we put this together for you! Below you’ll find our blog that will discuss everything you’ll need to know for buying your first home. Click through the posts, check out the videos and follow our YouTube page for more content! If you are interested in learning more tips and trick you’ve come to the right page!
4 Tips to Fast-Track Your First Home Down Payment
Saving a pile of money for your down payment on your first home is easier said than done. Consider these tips for first-time home buyers. Owning a home is a dream come…
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Am I eligible for an FHA loan?
At the SeanZ mortgage, we have experience helping out first-time buyers with FHA loans. Contact us now at (314) 361-9979 to get your homeownership journey started. If you’re thinking about buying a…
Home Buying Process & What to Expect AFTER Your Offer Is Accepted
Have you found your house and submitted your offer but are wondering what happens next? In this video, I’m going to walk you through the post-offer stage of financing on the lending…
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Pre-Approval Vs Prequalified & 3 Loan Programs!
Did you know that there’s a huge difference between being pre-qualified and pre-approved? In this video, we’re going to share three reasons why making sure you’re pre-approved will help you get the…
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5 Things Not To Do When You’re Searching For A Home
Have you been pre-approved and are ready to start your home search? In this video, I’m going to share 5 things not to do once you start shopping for your new home.…
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How Much It Costs To Buy A House
https://youtu.be/ZS1W3OYxHOQ Has anyone ever broken down the costs of purchasing a home for you? In this video, I’m going to walk you through common closing costs so you can be better prepared…
Additional Mortgage Tips & Advice
How to Choose the Best Mortgage
Ask your Sean Z mortgage expert for more details about which loan will work best for your circumstances. Mortgages are differentiated into various types, and it’s hard to know which one is right for you. Unfortunately, most people go for the cheapest option and conclude their mortgage search in a snap. It’s a fast and…
What Is a Mortgage Loan Acceleration Clause?
It’s always advisable to read every part of your mortgage contract to ensure you know what you’re getting into. If you’re new to mortgage loans, you might come across a few unfamiliar terms like “acceleration clause.” Acceleration clauses are found in most loan contracts but are more familiar with mortgage loans. Like most people, you…
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What’s the Difference Between Mortgage Prequalification and Preapproval?
The mortgage prequalification and preapproval are integral parts of the mortgage application process. Call Sean Zalmanoff today to get your mortgage process started. Are you planning to apply for a mortgage? If you’re a first-time homebuyer, you’ll come across many mortgage terms and phrases that it’s easy to get lost. Fortunately, we believe in making…
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What to Do When Your Mortgage Application Gets Denied
We know how frustrating and disheartening having your mortgage application denied can be. We are ready to guide you through the mortgage application process and improve your chances. Having a Mortgage enables you to keep your cash reserves, purchase a home without cash and enjoy cost-effective borrowing. However, just like any other loan application, a…
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Do Mortgage Lenders Require Home Inspections?
Although lenders generally won’t require you to have a home inspection done, it is highly recommended that you schedule an inspection before proceeding with your mortgage application. So you’ve just found the house of your dreams. It’s reasonably priced, and the seller has agreed to sell it to you (congratulations!), so now all that’s left…
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What Can Depreciate Your Home’s Value?
It’s crucial to understand what can be the cause of a home’s depreciation, and so here is a quick run-down of the most important factors. Many factors impact the valuation of homes across the country, including demand for real estate, interest rates, and economic conditions. However, it’s a host of local factors that drastically affect…
Who Regulates Mortgage Lenders?
As the mortgage market continues to thrive, who keeps them in check and ensures they’re fair to their customers? According to recent research, mortgage debts increased from $9.1 trillion to 10.3 trillion in 2020. This is a record high. But as the mortgage market continues to thrive, who keeps them in check and ensures they’re…
Fixed-Rate Vs. Adjustable-Rate Mortgage – What’s the Difference?
We specialize in making the home purchase process a great experience! We will help you determine which mortgage is right for you. Your choice of mortgage primarily boils down to two options, fixed-rate and adjustable-rate mortgages. If you’re looking for a mortgage, it’s important that you understand the difference between the two to make a…
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Tips to Get a Good Mortgage Rate with Low Income
We have incredible mortgage deals and smooth pre-approval processes. Get in touch for more details! Potential homebuyers are often discouraged from the idea of applying for a mortgage because of worries they might not qualify due to their low income. But did you know there are mortgage programs designed for low or moderate-income earners? Here…
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What Is an FHA Loan and What Makes a Person Eligible?
If you’re wondering whether an FHA loan is right for you, don’t worry, we’re here to help! An FHA loan is a type of government-backed loan for borrowers who earn a low to moderate-income. The Federal Housing Administration insures this mortgage, hence the name FHA loan. They are popular among first-time house buyers for a…
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7 Pitfalls to Avoid When Finalizing Your Mortgage
Before you close on your mortgage, it’s essential to avoid making these mistakes with your finances that could derail the closing process. No matter what type of mortgage you are looking for, it is essential to avoid actions that could ruin your mortgage closing. Often, simple fixes can help bring a ‘mortgage deal’ back to…
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How to Make a Competitive Offer On a Home
While having your home offer accepted gives you a spark of hope, the process can be psychologically and financially draining without the correct information. Buying a home is a significant milestone and a lifetime achievement. This is mainly because the process requires you to undergo rigorous bidding and have top-notch negotiation skills. Additionally, the real…
How to Qualify for a Home Loan if You’re Self-Employed
Your self-employed status isn’t a barrier to your dream home. If you follow the steps and tips, qualifying for a mortgage will be easy. Contrary to popular thought, self-employed individuals can qualify for mortgages and purchase their dream homes. That’s right; you don’t need to work for a company or a recognized employer to land…
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4 Tips to Fast-Track Your First Home Down Payment
Saving a pile of money for your down payment on your first home is easier said than done. Consider these tips for first-time home buyers. Owning a home is a dream come true, but owning a home remains a dream for most people because of skyrocketing house prices. Fortunately, you can always opt for a…
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Mortgage loan: What’s The Maximum I Can Borrow?
It’s the top question potential buyers ask before starting to shop for a new home: how much can I borrow? The answer to this question will directly influence the type of home you can shoot for, so it’s natural to know the ballpark of your price range before you start looking around. Unfortunately, answering this…
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