MORTGAGE RESOURCES

Recession, Rates, and Real Estate

Recession, Rates, and Real Estate

Below is a link to a presentation on recessions that we recently used in a lunch and learn. Please click through the presentation to get answers on the below topics. What is a recession and what can history teach us about recessions? Is a recession likely in the next...

read more
FHA Standard 203K Highlights

FHA Standard 203K Highlights

Planning for a large scale project like major structural alterations, updating your kitchen, or conversion or repairs to your swimming pool? Get one step closer to breaking ground with an FHA 203K loan!  Please see the program highlights below. Program Highlights...

read more
VA Financing

VA Financing

VA loans allow us to take care of our own.  Is your credit not so great? No problem! VA makes it possible for a borrower with a 560 credit score to qualify.  The VA loan offers many benefits and we highlighted some of them below. Highlights No down payment Up to 100%...

read more
Mortgage 101
VIEW ALL ARTICLES

Learn about general mortgage topics and basic terms.

Loan Products
VIEW ALL ARTICLES

Understand the different loan products available to figure out which ones might be right for you.

Credit Basics
VIEW ALL ARTICLES

Learn everything you need to know about credit and how it affects your home purchase.

Renovation & Construction
VIEW ALL ARTICLES

Find tools to help you decide if a renovation or construction loan is a good fit.

Quick Guides
VIEW ALL ARTICLES

Helpful guides and loan resources at your fingertips.

2019 Updated Loan Limits

2019 Updated Loan Limits

It is a new year.  New opportunities, new resolutions, and new loan limits! New, higher loan limits mean you can purchase more of a home with a traditional mortgage instead of having to use alternative or jumbo financing that can often cost more and are underwritten...

read more
Student Loan Guidelines…

Student Loan Guidelines…

A growing number of people are currently dealing with student loans.  Some are making the maximum required payments, and others may be paying as part of an income based repayment plan. Others may have their loan in forbearance or deferment. If you are not currently...

read more
Qualifying Debt to Income Ratios

Qualifying Debt to Income Ratios

A  major factor in qualifying for a mortgage is the borrower's debt to income ratio (DTI). When calculating your debt to income ratio, you first add up all of your monthly minimum debt payments and then divide that by your gross monthly income.  Your potential future...

read more
For the second time buyers…

For the second time buyers…

Some of my conversations with second time home buyers start off with uncertainty of where they should begin.  Particularly the ones who currently still own their first home.  While some buyers know their plan and just want my assistance making it happen, others want...

read more

All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Whitecap Mortgage LLC, 210 S. Mill Rd., Ste. 104, Kennett Square, PA 19348. Phone 484-222-2620. Corporate NMLS#1847550 (nmlsconsumeraccess.com). Licensed by the Pennsylvania Department of Banking and Securities, Delaware State Banking Commission, and Maryland Department of Labor.