DDA Mortgage - Residential and Commercial Loans

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The Mortgage Loan Process From prequalification to completing the loan application, this article helps you understand the loan application process and helps take some of the stress out of buying or refinancing a home.		What Happens After You Apply? This article can dispel at least some of that anxiety by detailing the steps the lender takes in making the loan decision-process called "underwriting."
How to Shop for a Mortgage Learn the basic facts about financing a house so you can choose the right mortgage and the right lender.		How Much Can You Afford? This is a great article to read before you go looking for that dream home and before you try our online calculator.
Guide to Mortgage Rate Lock-ins When you get to settlement, will you actually receive the terms you applied or bargained for? Or will you find that the rate has changed, and that your costs have gone up?		Mortgage Escrow Accounts Mortgage escrow accounts have been in the news lately and seem to be greatly misunderstood by many consumers.
Lowering your Down Payment How using PMI can help you get more house for less money, and conserve your cash for other things.		PMI's Frequently asked Questions Here are some of the more common questions asked about Private Mortgage Insurance.
Handling Loan Rejection The most common reasons for loan denials and corrective measures you can take, and some alternatives that exist especially for low and moderate income home buyers.		Consumer's Guide To Mortgage Settlement Costs Once you understand what is involved, you may find the entire closing process far simpler than you might have imagined.
The Loan Closing You should have a good understanding of what is involved in the closing process, because there are a number of things that you can do to make sure that it goes smoothly and on time.		Managing your Mortgage Planning for unexpected situations as well as the routine costs of owning a home can help you avoid foreclosure or bankruptcy when emergencies arise.
What Do You Mean You Sold My Loan?? When servicing is sold, it means that another lender will be taking your payments, handling your escrow accounts, paying your insurance and taxes and answering your questions.		VA Loans From FAQ's to Fiction, here's everything you ever wanted to know about acquiring a VA Mortgage Loan.
How To Save Half On Interest Costs Save $100,000 on mortgage interest costs! Sound impossible? Not really. Read this, and then try our online calculators and see for yourself.		Guide to Refinancing Should you refinance? This brochure will answer some questions that may help you decide.
When Your Debt exceeds your Home Value Upside down on your mortgage? Chris Colvin offers this Q&A on short payoffs.		Deducting your Mortgage Interest The deduction for mortgage interest stands as one of the few remaining tax deductions for the typical middle class taxpayer.
List of Mortgage related Publications Over 100 free publications and the places from which they can be ordered.		Glossary So exactly what are "points", "margins", and "prepayment penalties"?