Bock Mortgage Group - Michael Bock and Theresa NeSmith

Michael Bock October 9, 2024

Does Your Home Loan Have a Prepayment Penalty?

Buying a home is a huge milestone, and the excitement of closing can lead many buyers to quickly accept any mortgage offer without fully understanding its terms. One important detail to watch for is whether your mortgage includes a prepayment penalty.

Michael Bock October 8, 2024

Consolidate Credit Card Debt with a Cash-Out Refinance

If you’re feeling overwhelmed by credit card debt, a cash-out refinance may be an effective way to manage it. This type of mortgage allows you to utilize your home’s equity to pay off high-interest credit cards, consolidating them into a single, lower-interest mortgage payment.

Michael Bock October 7, 2024

What’s Ahead For Mortgage Rates This Week – October 7th, 2024

Last week was a fairly light week, with the non-farm payroll data being the most significant release. The data showed that payrolls are growing at a faster rate than historical trends suggest, which could indicate that inflation is still above the Federal Reserve’s target. In contrast, the upcoming week has a busy schedule, with many important economic releases lined up back to back.

Michael Bock October 4, 2024

How to Get a Mortgage Without a Credit Score

Getting a mortgage without a credit score may seem like a tough task, but it is possible. Many assume that a credit score is a must, but if you don’t have one, you can still pursue your dream of homeownership. Here’s how.

Michael Bock October 3, 2024

Do VA Entitlements Ever Expire?

The VA home loan program is one of the most valuable benefits offered to those who have served in the U.S. military, providing veterans and active-duty personnel with access to favorable mortgage terms. One common question is whether these VA entitlements ever expire.

Michael Bock October 2, 2024

Steps to Take Now to Build Your Credit for a Home Purchase Next Year

If you’re thinking about buying a new home next year, there’s one important factor to consider before you start browsing listings–your credit score. A strong credit score can make a huge difference in the interest rates you will qualify for and can also determine your mortgage approval.

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