What Is a Loan Estimate and How Do I Read Mine?
What Is the Loan Estimate? The Loan Estimate is a standardized 3-page document your lender must provide within 3 business days of receiving your mortgage application. It is designed to help you understand and compare mortgage offers from different lenders in a consistent, standardized format — makin
What Is an Escrow Impound Account and How Does It Work for San Diego Home Buyers?
What Is an Escrow Impound Account? A mortgage escrow impound account is a separate account maintained by your mortgage servicer that collects a portion of your property taxes and homeowner's insurance premiums each month as part of your total mortgage payment. The servicer then pays these bills on y
What Is a Mortgage Pre-Qualification vs. Pre-Approval vs. Full Underwriting?
Three Stages of Mortgage Approval The mortgage process involves three distinct levels of lender commitment, each providing more certainty and carrying more credibility with San Diego sellers. Understanding these stages helps you know where you stand and what level of preparation will make your offer
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