Mistowski's (mistowski) Blog

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Mortgage and Lending - Horizon Lending Services, LLC - NMLS # 942863
RECENT BLOG POSTS
When attempting to purchase a home, there is no doubt that you are going to spend some time researching the many terms being tossed around to try and get a better grasp on what exactly all the jargon means for you. One of the most important parts of the borrowing process is being preapproved or p...
05/10/2018
While the terms "prequalified" and "preapproved" are often used interchangeably by borrowers, the meanings are actually a bit different. What does it mean to be prequalified for a home loan? You’ve likely gotten pre-qualification offers in the mail before, because they’re super easy to come by. A...
04/19/2018
One of the hardest parts of buying a new home is having the up-front cash to put down on your purchase. While certain loan programs, like the one offered by the FHA, allow you to buy a home with just 3% down (and some special programs like VA home loans allowing as little as $0 down), saving your...
04/14/2018
Most real estate agents will not spend much time working with a potential buyer unless they have already received a pre-approval offer from a lender. However, in order to attain a pre-approval offer, lenders will require you to verify your income and assets. This verification process can often be...
04/07/2018
When you're shopping around for a mortgage, you have two options when it comes to choosing where you're going to get financed: a direct lender or a mortgage broker. Within these two pools, you'll find a wide variety of each who can offer you different loan terms and interest rates. However, choos...
04/06/2018
Buying a new home can be exciting for first-time and seasoned homebuyers alike, but the mortgage process can often take away from some of the fun. In addition to having to bring in mountains of paperwork to verify your income and assets, the process of shopping around at various lenders and tryin...
04/03/2018
Are you thinking about applying for a home loan? The entire process can be very exciting, but it's also a very big decision. A mortgage is not something you should just jump into without proper long-term consideration and planning. Here's a look at seven things you need to think about before taki...
04/02/2018
Purchasing your first home can be super exciting, but once you begin getting into the legal side of things, you may find yourself getting discouraged because there is simply so much information out there. This guide will help you narrow it down so you can focus on what really matters to first-tim...
03/22/2018
Here are the things you need to reconsider when looking at your policy.Do you own a home? If so, homeowner's insurance could be a real lifesaver in the event of an accident or disaster that involves your home. With standard homeowner's insurance, you are afforded many protections. First and forem...
03/17/2018
If you're a first-time home buyer, once you delve into the loan process, you might begin to feel like there are all sorts of hidden fees and factors that no one told you about before. There are the more obvious expenses, like the downpayment and closing costs, and then things you might not have c...
02/19/2018
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Sharon Mistowski

Horizon Lending Services, LLC
local_phone(972) 347-9224
smartphone(972) 569-7226
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