Talk to Your Loan Officer About Discount Points

2018-09-27T15:52:40+00:00September 27th, 2018|Categories: Mortgage, Mortgage Sense, Mortgage Watch, Residential|

Market interest rates have been steadily rising since January 2018 Tightening of home supply in the state of Georgia Home prices have risen in the same time period “Discount Points” are fees paid directly to your lender at closing in exchange for a reduced interest rate Also known as “buying down your rate” Your lender can [...]

What to know when purchasing a condominium in Atlanta

2018-09-21T15:08:22+00:00September 21st, 2018|Categories: Homeownership, Mortgage, Mortgage Sense, Residential|

I Want To Purchase A Condominium In Atlanta. What Should I Know Before I Begin My Mortgage Loan Application? Condominiums are defined differently than Townhomes Townhomes are treated as Single-Family Residences Condominiums are a single, individually-owned housing unit in a multi-unit building. The condominium owner holds sole title to the unit, but owns land and common [...]

Free Credit Freezes & Fraud Alerts

2018-09-07T10:48:18+00:00September 7th, 2018|Categories: Homeownership, Mortgage, Mortgage Sense, Residential|

Looking for stronger ways to protect your credit? Starting September 21st, a new federal law will allow consumers to freeze their credit for free. This new law, the “Economic Growth, Regulatory Relief, and Consumer Protection Act” will also include a provision for free, year-long fraud alerts. Why is this important when applying for a mortgage? Credit [...]

First Time Homebuyers in Georgia

2018-07-12T06:21:33+00:00July 11th, 2018|Categories: Homeownership, Mortgage, Mortgage Sense, Mortgage Watch, Residential|

So you’re looking at buying a house for the first time, now what? The search for your first home (and mortgage) can be scary, difficult, and downright complicated. Don’t worry! Northpoint Mortgage is here to help! Here is some basic info on some great first-time homebuyer programs available in the state of Georgia: FHA Minimum 3.5% [...]

How to Prevent Marketing Calls from Competing Mortgage Lenders

2018-07-05T15:45:50+00:00July 5th, 2018|Categories: Homeownership, Mortgage, Mortgage Sense, Residential|

OUR PROMISE. Please be assured that Northpoint Mortgage does not and will not share or sell your personal information at any point in the loan process. We also do not and will not partner with any third party who shares or sells your personal information to any outside sources at any point in the loan process. [...]

Buying Instead of Renting Makes Sense for Most Everyone

2018-06-01T11:18:44+00:00June 1st, 2018|Categories: Homeownership, Mortgage, Mortgage Sense, Mortgage Watch, Residential|

Even with mortgage rates up, buying instead of renting makes sense for many and tax changes haven't changed the calculus on home ownership very much. Buying season is in full swing, but the landscape has changed a lot from last year. Congress has curtailed tax incentives to purchase a home, mortgage rates are up and homes [...]

Why Was My Mortgage Sold to Another Company?

2018-05-18T10:13:26+00:00May 17th, 2018|Categories: Mortgage, Mortgage Sense, Mortgage Watch|

You comparison shopped, choosing your mortgage lender carefully. Shortly after closing, you receive a letter from a new company introducing themselves as your mortgage servicing provider. What does this change really mean? Here is what you need to know about your mortgage being sold to another company. Why Are Mortgages Sold? From the perspective of a [...]

Millennials & Homeownership

2018-04-11T15:08:56+00:00April 11th, 2018|Categories: Homeownership, Mortgage Sense, Mortgage Watch|

Referring to people between the ages of 25-35, Millennials represent the most active generation of homebuyers (according to the National Association of Realtors). Based on a recent annual survey of homebuyers, NAR estimated that 36% of all home sales last year involved millennials. Millennials have held the top home-purchaser spot among generational groups for five [...]

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