Welcome to the Mortgage Education Center

At AFR, we are committed to delivering not only great mortgage rates and programs, but also the peace of mind that comes with making a well informed financial decision. Whether you are purchasing your first home or are a seasoned real estate investor, you will find helpful tips and information on the refinancing and purchasing processes in the section.

Please browse through the education center and do not hesitate to contact us for additional information.

Mortgage Shopping Information

	Comparing Different Mortgage Programs
	What is Required for a Full Documentation Mortgage?
	What are Conforming Loans?
	Financing a Property in Foreclosure
	Mortgages for a Short Sale
	Mortgages for the Self Employed
	Subordinating a Second Mortgage
	The Online Mortgage Process
	Mortgage Application Checklist
	Should you Consider Paying Points?
	Costs Associated with a Mortgage
	What to do if you are not Approved for a Mortgage
	Who is Who in a the Mortgage Process
	What to do Before Applying for a Mortgage (pt1)
	What to do Before Applying for a Mortgage (pt2)
	Considerations for when to Lock in an Interest Rate
	History of Mortgage Rates
	Considering How Much to Borrow
	What to do with Extra Money
	Considerations if you are Having Problems Paying your Mortgage
	5 Things To Understand About Title Insurance
	Choices That Will Affect Your Loan
	10 Questions To Ask Your Mortgage Lender
	10 Things Your Lender Needs From You
	5 Factors That Influence Your Credit Score
	8 Ways To Improve Your Credit
	8 Steps To Getting Your Finances In Order
	Types Of Mortgages

Home Buying Information

	Using Gift Funds towards Purchasing a Property
	Choosing a Real Estate Agent
	What To Look For On A Final Walk Through
	Home Buying Road Blocks - Myths vs. Reality
	Is It Time To Buy A More Expensive House?
	Moving Tips and Moving To Do List
	Tips For Packing Like A Pro
	Which Documents To Keep From Your Closing
	Common Closing Fees For Buyers
	Reasons to Consider Investing in Real Estate
	Some Items of Note of a Purchase & Sales Contract
	5 Creative Ways To Afford A Home
	10 Questions To Ask Your Condo Board Before Buying
	5 Property Tax Questions To Ask Before Buying A Home
	The Pros And Cons Of Owning A Condo
	How Comprehensive Is Your Home Warranty?
	What Your Home Inspection Should Cover
	10 Questions To Ask A Home Inspector
	Hidden Home Defects To Watch Out For
	7 Reasons To Own Your Own Home
	10 Ways To Take The Trauma Out Of Home Buying
	What A REALTOR® Can Do For You
	Why Use A REALTOR ®?
	What Is A REALTOR ®?
	How To Pick A Real Estate Agent
	5 Reasons To Use A Real Estate Agent
	Questions To Ask When Choosing A Real Estate Agent
	7 Tips For Buying In A Tight Market
	6 Tips For Finding The Perfect Neighborhood
	The Benefits Of Using A Buyers Agent
	Types Of Home Inspections
	The Importance Of A Home Inspection
	Moving Checklist
	Who Represents You?

First Time Home Buyer Education

	First Time Home Buyer Tax Credits
	First Time Home Buyer Mortgage Information
	Moving into Your First Home
	5 Common First Time Home Buyer Mistakes
	10 Steps To Prepare For Home Ownership
	10 Tips For First Time Home Buyers
	Advice For First Time Buyers