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Major VA Loan Types

What Are The Major Types Of VA Loans? Major Veterans Affairs loan programs described in this video include: 1) Purchase Loans. These help eligible parties buy a home at competitive interest rates with little to no down payment and little or no private mortgage…

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What’s the VA COE?

What Is A Certificate of Eligibility, or COE? The COE is the key document that verifies to lenders that someone is eligible for a VA-backed loan. Servicemembers, Veterans and National Guard and Reserve members may apply online or through their lender; most lenders h...

What is a Rate Lock?

Mortgage rates change constantly through an unpredictable combination of government policies and economic conditions. This video explains the common term ‘rate lock.’ A “Rate Lock” is a guarantee that a lender will honor a…

How Title Insurance Protects All Homebuyers

How Title Insurance Protects All Homebuyers Whether you’re purchasing a new or existing home, or refinancing, title insurance protects you against any problems affecting the title to your home. The Basics There are two types of tit...

What’s a Qualified Mortgage?

As this video explains, Federal laws put into effect in 2014 and supervised by the Consumer Financial Protection Bureau define lending practices and loan terms for a new category called “Qualified Mortgages.” They provide stable loan features for consumers�...

What’s Abilility to Repay?

What are the “Ability to repay” rules about? In a nutshell, as this video shows, new laws require lenders to make a good-faith assessment of a borrower’s capacity to pay back their loan over time. It’s a longer-term view that goes beyond immediate income, ...

Capital Title Announces a New Division

President, Tom Lico, announced a new division last week; Commercial and New Construction. This will be headed up by Jason Seaver, Esq. Jason grew up in the industry with his father, Phil Seaver, as his mentor. He worked for Philip R. Seaver Title Company from a teenager, through its acquisition in 2009, and with it’s new parent…