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Blog Archive

Reverse Mortgage Changes

Posted by Home Point Financial on

A reverse mortgage can be a great tool to utilize as a homeowner over the age of 62, but in 2015, new rules and regulations have been passed by the Federal Housing Authority and the Department of Housing and Urban Development that are designed to ensure that borrowers who apply for a reverse mortgage are financially sound and capable of handling the loan. As of April 27th, borrows will need to meet the requirements of a financial assessment….
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Connecting, Networking and Creating Community

Posted by Home Point Financial on

Home Point Financial is a community-based organization. Our roots are important to us as well as getting involved on a local level. We empower our branches to support the community through sponsorships, support and events. It’s this community connection that keeps our staff in touch with customers through establishing quality partners and providing solutions for our clients….
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New Closing Disclosures – Clarity Before Signing (Consummation)

Posted by Home Point Financial on

In an effort to help consumers understand their loan terms and fees before signing on closing day, the Closing Disclosure (CD) is now required at least three business days before closing. The design of the new document is to educate consumers on what the terms are in the short and long term and provide more clarity for associated loan and closing fees….
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Tips for the First Time Homebuyer

Posted by Home Point Financial on

For the first time homebuyer, the prospects of what it actually takes to buy a home can be scary and overwhelming. Home Point Financial Corporation put together this list of the top things first time homebuyers should know before starting this process….
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The New Loan Estimate – Understand Your Loan

Posted by Home Point Financial on

As part of the ‘Know Before You Owe’ rule that was effective on October 3, 2015, loan applicants are now required to receive a Loan Estimate (LE) within three days after an application is received. This document is designed to help consumers understand the key features, costs and risks of the loan through an easy-to-read format that highlights the most important details pf the loan transaction….
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Fall Home Decorating Tips

Posted by Home Point Financial on

The weather is cooling down, the leaves are changing colors, and everyone is starting to get into the spirit of the season. This is the perfect time of the year to make the transition from summer décor to fall inspired décor in your home….
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