Monthly Archives: November 2014


  • Case Study: Understanding the Difference in Mortgage Insurance for Conventional and FHA Loans

    Here at Simply Home Lending, we are often faced with this question from our borrowers: Should I choose a conventional loan or an FHA loan? The focus of this case study will be on one of the main differences between these two types of loans: mortgage insurance. Mortgage insurance (MI) is an insurance policy which […]
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  • Case Study: Self-Employed Borrowers and Debt to Income Ratio

    Self-employed borrowers often struggle to find financing in the secondary market. This is tied directly to the amount of income reported on their annual tax return. Most loan officers have encountered a self-employed borrower who chooses to report a lower adjusted gross income (AGI) to reduce their overall annual tax burden. By choosing to do […]
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  • Mortgage Options

    Homebuyers looking to get into the mortgage market will have different options than they did just a few years ago. If you’re looking for a home loan, you’ll find that there are four basic types of loans to choose from: Conventional Mortgages, FHA Loans, and USDA, or Rural Development (RD), Loans. Here’s a look at […]
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  • VIDEO: Understanding Closing Costs

    Buying a house is a life long investment and can be a little overwhelming when it comes to the loan process. Purchase loans have many parts but one of the most important to understand for the buyer is the closing costs. Kelly Tribell, Partner at Simply Home Lending, explains closing costs and how to make […]
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