Do I need to make my mortgage payment during this pandemic?
Who qualifies for assistance?
What type of assistance am I eligible for?
Who determines if I am eligible for assistance?
Can you refinance with a Conventional loan?
What is the difference between a cash-out refinance and a home equity line of credit (HELOC)?
What does it mean to refinance a mortgage?
When is the right time to refinance?
What is the typical refinance process?
What types of bills can I consolidate by refinancing?
What kind of refinance loans do you offer?
What can I do with the money from a cash-out refinance?
What does it mean to be pre-qualified?
How does my credit score impact the rate I get on my mortgage loan?
How is my credit score calculated?
How can I improve my credit score?
What is an underwriter looking for in a purchase loan application?
What happens at closing?
What costs are required at closing?
Why should I buy a home?
Is buying a home better than renting?
Is now the time to buy?
How much can I afford?
What is the loan-to-value (LTV) ratio? Why do I need to know that?
What is a home appraisal?
How do you qualify for a loan?
How long does the mortgage process take?
Do I need to find a home before I apply for a mortgage?
What’s an escrow account, and how does it work?
What credit score do I need to get approved?
Can you get a mortgage without a credit score?
What is the difference between Embrace, my local bank, and a broker?
How long has Embrace been in business?
Can I pay my mortgage online?
Where do I log in to see the status of my loan?
When did Embrace start using Rushmore as a sub-servicer?
Will my electronic payment authorization with RoundPoint be transferred to Rushmore?
Can I get a home equity line of credit (HELOC) with Embrace?
What does it mean to be pre-approved?
Am I eligible for MIP cancellation?
How do I eliminate or reduce my mortgage insurance payment?
How do interest rates affect my mortgage?
How are rates calculated?
What is mortgage insurance?
How much money do I need to buy a home?
What does my mortgage payment include?
What's the best way to get started?
What is PMI and do I need it?
What are points?
What does it mean to "lock in" your rate?
Aren't the interest rate and the annual percent rate (APR) the same thing?
Can I take advantage of Embrace’s No Down Payment program if I have owned a home before?
What types of loans does Embrace offer?
What is a second mortgage with interest-only payments and balloon payment?
What are 203(k) loan requirements?
What kind of renovations can be made?
What is a conventional loan?
What is an FHA insured loan?
What is the difference between fixed and variable rate mortgages?
What loans are available to Veterans and members of the military?
How do you know which mortgage loan is right for you?
With so many mortgage options out there, it can be hard to know how each would impact you in the long run. The most common mortgage loan types are: