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Recent Articles

Dec
05
2019
Loan Level Price Adjustments: Explained!
While researching mortgages - or maybe reading an article here on determining interest rates - you may have come across a term called “LLPAs”, or “loan level price adjustments”. These are adjustments based on your credit profile to the interest rate that you...
Nov
21
2019
Getting Pre-Approved for a Home Purchase Mortgage
  While shopping for a home can be exciting, you’ll want to make sure you’ve sat in with a loan officer before meeting with a realtor. This way, you’ll have a chance to discuss budgeting, purchase options, credit worthiness, and any other issues prior to home...
Nov
07
2019
What Determines Your Interest Rate?
When shopping around for either a first home mortgage, or more likely a refinance in today’s low-rate market, it’s important to understand how your interest rate is determined. You’ll want to be able to consider all financial factors before committing to the...
Oct
31
2019
What Does a Fed Cut Mean?
The Federal Reserve just lowered its target for benchmark interest rates by .25%, which was the third Fed cut this year. These three cuts have been the first of their kind in over a decade, but what do they do, really? Like many people this week, you might be wondering whether now is...
Oct
17
2019
Introducing Prospect Financial Group’s Top Loan Officer for Quarter 3, 2019
September was Prospect Financial Group’s biggest fiscal month ever, after 13 years in business. A combination of global factors (US / China trade disputes, political anxieties, etc.) have contributed to make 2019 a year for record low interest rates. Inquiries for home...
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