Are you dreaming of a kitchen that could rival a celebrity chef’s or a bathroom that feels like a luxury spa? Perhaps you’re considering adding that extra bedroom or finally creating the home office you’ve always wanted. Whatever your vision, home renovation loans can be the key to turning your property improvement dreams into reality. … Read more
If you’re a homeowner with a mortgage, you’ve likely encountered the term “mortgage prepayment” and wondered if it’s a strategy worth considering. Simply put, mortgage prepayment involves paying more than your scheduled monthly payment to reduce your loan principal faster. But is prepaying your mortgage a good idea? This question doesn’t have a one-size-fits-all answer. … Read more
When you start your journey of purchasing a home, one of the pivotal steps you will encounter is the down payment. This initial, upfront payment is a fundamental piece of the home buying process, serving as a statement to your commitment and financial stability to mortgage lenders. Understanding down payments, their requirements, and the various … Read more
The home loan world can be quite overwhelming, especially if you are a first time homebuyer or home owner. However, understanding the relationship between mortgage rates and monthly payments is extremely important for any homebuyer stepping into the housing market. Knowing this not only assists you with the ability to make informed decisions about … Read more
The current stage of your credit score is extremely important in your financial journey, as well as your homeownership journey. Your credit score can make or break your success in these journeys. It is a reflection of your financial reliability, as well as in determining your eligibility for a mortgage. If you have a strong … Read more
Refinancing your mortgage can be a financial burden that not a lot of people would want to go through. However, refinancing your mortgage can actually provide you with shorter terms, lower mortgage rates, and even less monthly payments. Every advantage has its drawbacks. For example,refinancing your mortgage could have you end up with a larger … Read more
Homeownership is a monumental step for anyone. From dreaming of your dream home to the mortgage process, every phase has its own experience. The market today is extremely competitive, which is why understanding the process of a mortgage is essential. That’s why in this blog, we will do just that. The essence of successful home … Read more
When it comes to buying a home, it is an extremely challenging yet exciting time. Whether you are familiar with the home-buying process or it is your first time, there are many steps to making an offer. Making an offer on a home should be competitive. You want to ensure that you are the one … Read more
Purchasing a new house can be an exciting experience. Whether you’re shopping online or perusing in person, there are a few crucial decisions to make regarding financing. Most need to acquire a mortgage—a financial agreement between a financial institution and those purchasing real estate. Buyers can choose between two conventional types of interest schedules: a … Read more
We at First Integrity Mortgage are incredibly proud to announce our recognition in the “Best Places to Work 2023” list, a testament to our unwavering commitment to the St. Louis community. Since our inception in 1993, we’ve always believed that our role extends beyond being a mortgage lender. Our mission is to make a positive … Read more