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The Advantages of Upfront Underwriting

Envoy’s goal is to deliver a fast, easy mortgage process to our customers from start to finish, and our Upfront Underwriting system is a big part of what makes us so successful. The sooner you can prove to a seller that you’re ready to make...

Providing Information for Lenders

Lenders take a hard look at your financial history and personal life while they consider your request for a loan. They’re not doing it to be invasive but to make sure their investment will be protected if they choose to enter an agreement with you....

Maintaining a Healthy Debt-to-Income Ratio

Your debt-to-income (DTI) ratio is the percentage of your monthly income that goes toward debt payments: credit cards, student loans, auto loans, and anything else you owe money on. Since getting a home loan means taking on another large debt, it helps to have a...

Why Our Excellent Realtor Rating Matters to You

It’s obviously very important for you to trust both your lender and your Realtor, but it’s just as important they trust each other. A positive, lasting working relationship between lenders and Realtors is evidence they both get results for their customers, and their close collaboration...

How to Budget for Closing and Beyond

If you’ve already been budgeting for a substantial down payment, great job. However, you should also save up for closing costs and the expenses associated with moving into a new residence to make sure you can finish the home buying process successfully and comfortably. The...

Pushing Yourself Through the Home Buying Process

Like any of life’s most worthwhile pursuits, buying a home can take a lot of time, effort, and dedication. If you’ve been searching for the right property for what seems like ages without any signs of progress, try not to get discouraged—you have to keep...