Mortgage Matters

Your new home is one of the most significant purchases you will ever make, and we’re here to help! Here you’ll find all the tools and information you need to know when it comes to buying a home or refinancing.

How a Loan-to-Value Ratio Affects Your Mortgage Payment

MORTGAGE MATTERS

How a Loan-to-Value Ratio Affects...

When it comes to buying a home, it’s easy to think about the fun aspects that...

4 min read

Two VA Loans at Once – Can You Buy While You Still Own?

MORTGAGE MATTERS

Two VA Loans at Once – Can You Buy...

A VA loan is one of the best loan programs in existence, and it offers a wide...

3 min read

5 Uncommon Reasons Your Closing Could Be Delayed

MORTGAGE MATTERS

5 Uncommon Reasons Your Closing Could...

As prepared as you may be as a homebuyer, you might encounter a few factors...

3 min read

15-Year or 30-Year Mortgage: Which One Is Right for You?

MORTGAGE MATTERS

15-Year or 30-Year Mortgage: Which...

Talk about commitment! 15 years or 30 years? Both are a long time; both have...

2 min read

What Might Delay the Approval of My Loan?

MORTGAGE MATTERS

What Might Delay the Approval of...

We can all feel a little overwhelmed at times with the idea of entering the...

5 min read

To Co-Sign or Not to Co-Sign, That Is the Question

MORTGAGE MATTERS

To Co-Sign or Not to Co-Sign, That...

So, you’re ready to take the leap to homeownership – but perhaps you don’t...

4 min read

Which Comes First – Marriage or Mortgage?

MORTGAGE MATTERS

Which Comes First – Marriage or Mortgage?...

Are you and your partner thinking of saying “I do” to a mortgage before saying...

4 min read

How Debt-to-Income Ratio Affects Mortgages

MORTGAGE MATTERS

How Debt-to-Income Ratio Affects...

When it comes to the steps involved in purchasing a home, arguably the most...

5 min read

What Happens at Closing and How to Prepare

MORTGAGE MATTERS

What Happens at Closing and How to...

You’ve made it through the maze of steps and decisions that come with buying a...

3 min read

3 Things to Know About Fannie Mae, Ginnie Mae, and Freddie Mac

MORTGAGE MATTERS

3 Things to Know About Fannie Mae,...

Fannie Mae, Ginnie Mae, and Freddie Mac. These names may sound like someone’s...

3 min read

What’s the difference between interest rate and APR?

MORTGAGE MATTERS

What’s the difference between interest...

When trying to get a mortgage, you’ll receive two important percentages in the...

3 min read

Foreclosure and Bankruptcy: Can I Still Qualify for a Loan?

MORTGAGE MATTERS

Foreclosure and Bankruptcy: Can I...

Sometimes life takes us down a bumpy path, which can leave us in less than...

4 min read

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Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender.