Keep up to Date with NOVA

Follow NOVA to learn more about refinance, purchase, loans and all other areas of the home buying process.

Keep up to Date with NOVA


Credit Score to Buy a House

good credit1.pngLoan Officer spotlight: What Credit Score Do I Need to Buy a House?

Your Credit Score is a very important factor in the home buying process. This number helps banks decide if they should lend you money for this big purchase. There are multiple factors in this score and a lot you can do to improve your score. This week, Crystal Ralston, Senior Loan Officer, delves into the Credit Score conundrum and discusses ways to improve your score to get you ready to be a home owner!... read more

 

 

 

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Purchase Contract

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7 Factors of a Purchase Contract

From a Buyers Perspective

If you have ever made an offer on a home or even glimpsed at all of the paperwork involved in doing so, you know there are multiple factors that can either positively or negatively impact your future in that home. While the hope is that you are working with an excellent agent, you should be aware of these 7 elements to specifically discuss with your real estate agent and/or your loan officer. While this information is in no means meant to be exhaustive, this will give you a good grasp on where to focus in your home purchase contract!

 

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Deal Breaker

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When to Walk Away From a House

Say you have fallen in love with a house, it's just perfect! Your offer gets accepted and you proceed to the inspection, where you receive a list of imperfections about your new obsession. How do you know which items pose significant enough of an issue to walk away from your dream house? This article is just for you! See what issues may break the deal or can simply be fixed! 

 

 

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Pay Off Mortgage Faster

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Loan Officer Spotlight: Pay Off Your Mortgage Faster

If you didn't have a mortgage payment each month, what would you do with those extra funds? Would you vacation more? Get a new wardrobe? Start a business or give more to charity? Today, Charles Baldon, a NOVA® Home Loans Loan Officer talks about ways to potentially pay off your mortgage years in advance. You don't necessarily need to be strapped with a 30 year mortgage- Let Charles tell you how!  

 

 

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What to Look for When Choosing a Home Loan

Loan Officer Spotlight: What to Look for When Choosing a Home Loan

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Choosing a home loan program, whether it be your first home or your fifth investment property can be a very daunting task. Each individual comes with a unique situation each time they purchase a home. Unfortunately, mortgages are not a 'one size fits all' scenario, but thankfully, there are several guidelines that can help narrow down the selection of choices. Bert Carpenter, Senior Loan Officer at NOVA® Home Loans, outlines some of these guidelines.

 

 

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NOVA Now App

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NOVA Now Mobile App

If you are considering purchasing a home, be sure to have the NOVA® Now App downloaded! This nifty app will assist you in your home search, give you valuable neighborhood information and even give you an idea of what your monthly mortgage payment will be! Check out the details and download today!

 

 

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Student Loan

Student Home Loan.jpgLoan Officer Spotlight: Applying for a Home Loan as a Student

Are you an ambitious student looking to get ahead of the home buying curve? Good for you!

Maureen Vanderhoff (Loan Officer NMLS 240174) wants to show you how you can begin your home loan journey and begin saving up equity and building your investment portfolio at an early age. These savings and investments can benefit you for years to come!

 

 

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Morty - Citizen

morty citizen.pngMorty the Mortgage Guy - U.S. Citizenship and Home Ownership

Morty the Mortgage Guy is back to tell you that you do not necessarily have to be a U.S. Citizen in order to purchase a home here! The United States is the "Land of Opportunity" and that opportunity includes the dream of home ownership. Get some of the details and talk to a NOVA® Home Loans loan expert for more details!

 

 

 

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