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(770) 472-7533
Call Us Today!
(770) 472-7533

Loan Articles

Library

Application
Enter a secure application or read articles about the mortgage application process.
Appraisals
Read articles about the appraisal process.
Bankruptcy
Read articles about the different types of bankruptcy and how to avoid it.
Commercial
Many articles about how the commercial loan process works.
Credit
Articles about how to improve your credit and how credit scoring works.
Down Payment
Articles about the different types of down payments, down payment assistance, and grant programs.
FHA Loans
Read articles about how the FHA process works.
Insurance
Read articles about homeowners insurance, title insurance, and flood insurance.
Interest Rates
Get current rates, setup rate alerts, or read about interest rates.
Loan Programs
Articles about choosing the right loan program and different types of loans.
Refinance
Read articles about the refinance process and how it works.
Relocation
Articles about relocation considerations.
Second Mortgages
Articles about home equity lines of credit and second mortgages.
VA Loans
Read articles about the VA loan process and how it works.
Calculators
Use 16 different calculators to help you prequalify for a mortgage. (See Below)
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Refinance

Build Home Equity Faster
Many borrowers use a refinance to shorten the term of the mortgage.
Get Your Hands on Some Cash
Another way to make a refinance work is for you is to refinance for more than the balance remaining on your old mortgage. With today’s low rates, you can tap into your equity without increasing your monthly payment.
Trade Your ARM for a Fixed Rate
By switching to a fixed rate loan, it is possible to reduce your payment and lock in at an attractive rate for as long as you own your home.
Mortgage Refinance Costs
When you refinance your mortgage, you usually pay off your original mortgage and sign a new loan. With a new loan, you again pay most of the same costs you paid to get your original mortgage.
Analyze Your Savings
Check the market closely to determine the available rates and the costs associated with refinancing. These costs can include items such as an appraisal and other various fees and points.
Paying Points for a Lower Rate
In refinancing, a mortgage company usually offers a range of interest rates at different amounts of points.
Your Personal Income Taxes
With a lower interest rate on your home loan, you will have less interest to deduct on your income tax return. That, of course, may increase your tax payments and decrease the total savings you might obtain from a new, lower interest mortgage.
Consider Other Mortgage Programs
If you are thinking about refinancing your mortgage, you might want to consider other types of mortgages. For example, you might want to look into a 15-year fixed rate mortgage.
Deciding to Refinance
Traditionally, the decision on whether or not to refinance has meant balancing the savings of a lower monthly payment against the costs of refinancing.
Refinance Once Then Do It Again
When rates fall steadily, refinancing may make sense even if you have done so once already.
Refinance Considerations
Considerations you should look at when deciding to refinance.

Credit

How to Improve Your Credit
If you have had credit problems, be prepared to discuss them honestly with a mortgage professional.
Your Credit Report
Understand how a mortgage company views your credit information.
Credit Scoring and How It Works
Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant.
Credit Profile
A credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you.
Credit Reporting Agencies
This article includes address, phone and website information for each credit repository.
Credit Grade
Mortgage companies often grade your loan based on certain credit-related items such as payment history, the amount of debt payments, bankruptcies, equity position, and your credit score.
Other Credit Factors
Mortgage companies look at other information besides your credit score and credit profile before deciding whether to approve your mortgage.
Know the Score about Your Credit Rating
Learn about the importance of monitoring your credit rating.
Credit Inquiries
The Fair Credit Reporting Act (FCRA) outlines specifically who can see your credit profile.
How to Fix Credit Report Errors
You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.
Steps to Take after Being Denied a Loan
It's never fun to be turned down for a loan, but before you think you won't be able to get credit anywhere, there are some steps you can take.
Establish a Credit History
What to do to increase your chances of being approved for a mortgage.
How to Prevent Identity Theft
According to one non-profit debt counseling agency, some 40,000 consumers each year are victims of this crime, which is a serious type of fraud.
Improve Your Bad Credit
If you had a problem that's been corrected, and your payments have been on time for a year or more, your credit may be considered satisfactory.

Relocation

Relocation Considerations
Learn more about factors that may affect your decision to relocate.
Top Ten Relocation Headaches
Gather as much information as possible about your new destination.
Relocation Issues for Kids
Every year, one out of five American families move. One of the most important issues to anyone with kids is their reaction to the news that they're moving and their adjustment to the new home.
Home Buyer Checklist
The Home Buyer Checklist identifies some of the important factors to consider when choosing a home.
Select a Relocation Professional
To begin your search for the right person to represent you in a home sale, ask a colleague or friend for a recommendation, preferably someone who has used the real estate agent's services.
Before You Relocate
Review a list of items to help you get ready to relocate.
After You Relocate
Review a list of items to help you settle in after you have relocated.

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    Hours of Operation

    Monday- Friday 8:00am to 6:00pm 

    Saturday 9:00am to 4:00pm

    Sunday by Appointment Only

    Address

    Home Loan Pros, Inc.
    2011 Commerce Dr N
    Peachtree City, GA 30269
    Phone Number: (770) 472-7533
    Email: prui9819@bellsouth.net
    In Business Since 1983

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