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Learn About Home Mortgage in Maryland

Lennox Lloyd gives future homeowners advice on their home mortgage in Maryland. Contact us today to learn more.


Creative financing is a way to finance real estate outside the bounds of standard loans and mortgages. Examples include reverse mortgages, hybrid loans, jumbo loans, balloon mortgages, bridge loans, lease options, two-step mortgages, wraparound loans, assumable mortgages and seller financing.

That depends on your lender. Some lenders are flexible and may be willing to hear out your interest rate proposal, while others are more stringent about their set interest rates. You should explore your lender options to find your ideal interest rate.

Lenders may put pre-penalties in place to recoup their losses if you manage to pay your home loan off early. Speak with your lender about pre-payment penalties before signing off on your loan agreement.

Your refinancing strategy should depend on how long you intend to live in your home. Many homeowners refinance during periods of low mortgage interest rates. Contact your lender and their competitors before refinancing.

Contact your lender immediately. You may be able to set up a payment solution that works for both of you. You can also contact your mortgage insurance provider and inquire about having your mortgage covered until you can pay again. Ensure you do everything to keep your credit score in good standing.

Contact your lender immediately and ask for a complete explanation of why you were denied. Nowadays, it’s easier than ever to receive loan approval regardless of your credit and financial standing. If you have good credit, you should file an appeal in writing and try to earn a loan approval again.

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