Pam Conrad

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pam@creeksidem.com

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Is Down Payment Assistance Still Available During COVID-19?

Is Down Payment Assistance Still Available During COVID-19?

Even as demand for mortgage loans has ramped up since the coronavirus crisis began, some aspects of the home loan market have changed. With millions of homeowners applying for mortgage forbearance, lenders have had to take measures to mitigate possible fu

Jul 08, 2020 | Purchasing a Home

Buying a First Home in an Expensive Area

Buying a First Home in an Expensive Area

For Americans living and working in the nation’s most expensive real estate markets, homeownership can seem like the impossible dream. Prices are high and options can be limited. It may feel like home values rise faster than your ability to save up

Jul 01, 2020 | Purchasing a Home

7 Tips to Improve Your Credit Before Applying for a Mortgage

7 Tips to Improve Your Credit Before Applying for a Mortgage

In addition to income and assets, your credit profile is one of the biggest factors in determining whether you qualify for a mortgage. If your credit score is not currently in a desirable range, there are plenty of ways you can improve it to up your chanc

Jun 24, 2020 | Credit

What is an ARM loan?

What is an ARM loan?

While fixed-rate loans are one of the most popular choices for mortgage loans, there is another choice: the adjustable-rate mortgage or ARM loan. If you’ve ever wondered what an ARM loan is or why anyone would want one, here is what you need to know

Jun 17, 2020 | Adjustable Rate Mortgages

You Can You Still Get a Home Loan with Tighter Standards

You Can You Still Get a Home Loan with Tighter Standards

Since the coronavirus outbreak began, millions of Americans have filed for unemployment. The resulting fear about being unable to pay for expenses has caused more than 3.5 million homeowners to apply for mortgage forbearance to date. That has put lenders

Jun 10, 2020 |

Understanding Mortgage-related Insurance

Understanding Mortgage-related Insurance

When you buy a home with a mortgage, you will be required to pay all sorts of insurance, including homeowner’s insurance, title insurance and private mortgage insurance. What are all these policies and why do you have to pay for them? Homeowner&rsq

Jun 03, 2020 |

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