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### Jessica Hernandez
Real Estate Broker
CRS, CRB, ABR, GRI, SRS, TCIP, TCIPM, NHS, ePRO
jessica@ho-investments.com
972-983-7500
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# 
Posted on January 31, 2019 - 02:50 PM
by Jessica Hernandez
Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be...
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When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you've made your payments on time. What you may not expect is that they seem to be more interested in your FICO® score. "What's a FICO® score?" is a ...
When buying a home, it is not enough to just come up with the money. With the exception of no asset verification loans, lenders want to verify where the money for your new home will be coming from. If you can document that the funds are coming from your p...
This is a detailed summary of costs you may have to pay when you buy or refinance your home. They are listed in the order that they should appear on a Good Faith Estimate you obtain from a mortgage lender. There are two broad categories of closing costs. ...
An adjustable rate mortgage (ARM) has an interest rate that fluctuates periodically. This is in contrast to a fixed rate mortgage, which always has the same interest rate. Every ARM has basic components: An index A margin Adjustment Period An inter...
Now that you know what an ARM is and how it works, you may be wondering what the advantages and disadvantages are. So let's explore that issue. Offering adjustable rates allows lenders to transfer part of the interest rate risk from themselves to the bor...
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**Jessica Hernandez**
Managing Partner / Broker
Phone: 972-983-7500
Email: jessica@ho-investments.com
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**Welcome to H&O Investments established in 2004**, your source for real estate in Dallas and the surrounding area. Looking to purchase a new home? Avoid feeling overwhelmed and use our experience and knowledge to find the home of your dreams. Thinking of selling? Exposure is everything. Leverage our experience and marketing tools to turn ‘selling’ into ‘sold’. Have questions? We are here to help find answers and provide insights into the local area.
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