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When you buy a home and make payments on the mortgage loan, part of each payment goes into an escrow account – a special fund managed by your lender for paying your property taxes and homeowners insurance on time. Because your lender makes these payments on your behalf using money you’ve already paid, you don’t…

When you’re a first-time homebuyer, each step along the way can be filled with questions and unknowns. Luckily, INHP’s expert advisors are here to personally guide you through the homeownership process and answer big questions whenever they arise. Here are some of the questions our advisors hear a lot – and links to see and…

While spring might be considered official homebuying season, buying in the fall has some big perks. During the fall, shoppers often experience less competition, so there’s more time for buyers to decide and sellers are more willing to negotiate. Additionally, even moving costs can be offered at an off-season rate. Here are three tips to…

A Letter of Explanation (LOE) is written to a mortgage lender to explain any past derogatory credit, housing or employment issues that can show up on a person’s financial record. If you’re asked for a LOE, it’s an opportunity for you to clarify any past challenges you may have had, clear up any glitches or…

Buying a home for the first time – or even the hundredth time – can be intimidating. But once you learn the homebuying lingo, it’s much easier to make decisions that work best for your life and budget. Here are a few terms to get you started:   Lender – a bank or other financial institution,…

INHP recently updated its registration process by eliminating the hard credit pull. Now, when you register with INHP, we will run a soft credit check for $35 to evaluate your financial status without negatively impacting your credit score.  Why does INHP check your credit? Knowing your credit history will help us assess your financial situation…