Resources for Homebuyers: Advice & FAQs on Mortgages, Refinancing & New Home Purchases from Trusted Albany NY Loan Officers
Buying a home, whether it’s your first or tenth, can be an exciting and stressful time. The licensed Albany NY loan officers at Maple Tree Funding are committed to providing personalized attention, excellent customer service and the best mortgage rate we can find, based on your unique circumstances. This resource section will keep you up-to-date on the latest news and trends in the mortgage industry as well as provide helpful FAQs, tips and strategies for home buyers.
Help for First Time Homebuyers
Check out our first time homebuyers section for resources and guides specifically designed to help homebuyers navigate the home purchase process for the first time.
Mortgage Blog
Our blog is where you will find information you can truly use on everything from USDA announcements on expanded eligibility to knowing when to lock-in a mortgage rate or let it float. Helpful insight from our experienced Albany NY loan officers you can utilize during every phase of the home buying process.
Calculators
A vast array of Mortgage and Refinance Calculators make it easy for you to see everything from how much home you can afford to whether debt consolidation through refinancing is right for you.
Applying for a Mortgage
You can find pages that walk you through preparing to apply for a mortgage, a sample application, and how to get pre-approved.
FAQs
Our robust FAQ section is kept up-to-date with the latest frequently asked questions compiled from client transactions. Find helpful answers from our team of NY loan officers that will help you every step of the way as you work to purchase your home.
CFPB Your Home Loan Toolkit – A Step by Step Guide
The Consumer Financial Protection Bureau (CFPB) provides a special information toolkit entitled “Your Home Loan Toolkit – A Step by Step Guide,” which Maple Tree Funding makes available to you if your loan is intended to finance a home purchase. This booklet is a toolkit that can help you make better choices along your path to owning a home.
After you finish this toolkit, you will:
- Know the most important steps you need to take to get the best mortgage for your situation
- Better understand your closing costs and what it takes to buy a home
- Understand how to be a successful homeowner
You can download this toolkit here: CFPB Home Loan Tool Kit
CHARM Booklet – Consumer Handbook on Adjustable Rate Mortgages
Considering an adjustable rate mortgage? The Consumer Financial Protection Bureau (CFPB) provides a handbook detailing some key information about ARM home loans that can help you determine whether or not an adjustable rate mortgage is right for you. It details how ARMs work, the risks associated with different types of adjustable rate home loans, and provides information about the various documents you’ll need to review as part of the ARM process.
You can download the CHARM booklet from CFPB here: Consumer Handbook on Adjustable Rate Mortgages
Our Privacy Policy
If you choose to work with Maple Tree Funding, or any other mortgage broker or lender, as you navigate your home purchase, it’s important to be familiar with how your information can be used.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
Please read our privacy policy notice carefully to understand what we do.
Electronic Consent & Documentation:
Relatedly, it’s important to understand that in this day and age, much of the mortgage process is done electronically. As such, much of your information will be shared and documented electronically. With that in mind, please note the following:
Electronic Consent:
Throughout the mortgage process, there will be situations where electronic documents are utilized for consent and confirmation. You will be asked to eSign documents from both Maple Tree Funding and a third party provider. You will be asked to consent to the use of electronically signed documents.
Documentation:
If you are unable to download and print any of the electronic documents you receive, please notify us. Maple Tree Funding will print and mail you any hardcopies that you are unable to download and/or print.
Think Mortgage – Think Maple Tree Funding!
Ready to get the home buying process started? Join the many area homeowners who have worked with our experienced Albany NY loan officers and saved hundreds of dollars a month on their mortgage, reduced their loan term by 5 to 10 years, or received thousands of dollars at closing.
Give Maple Tree Funding a call at 518-782-1202 or contact us online to get the conversation started! We can help you purchase the home of your dreams, whether in the Capital Region, Saratoga, the Adirondacks or elsewhere in New York State. Contact us today!