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Industry Insights, Trends & Mortgage News

100% Financing for Home Loans: How It Works

Posted in FAQsPosted by Shane Latza

Programs that offer 100% financing for home loans (also referred to as no-money-down programs) may seem inconceivable, but there are some mortgage programs where 100% financing is, in fact, possible. For example, VA home loans—which are specifically for US veterans—offer 100% financing, as do 100% financed USDA home loans, which are based on location and have income limitations. You may also have heard of 100% financing conventional home loans (also referred to as 0% down…

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Loan Officer vs Mortgage Broker: How They Differ & Why It Matters

Posted in Home Buying Tips & Info, Mortgage & Refinance ProgramsPosted by Shane Latzalittle toy house next to paperwork with keys on it, people in the background

When looking to secure a mortgage, borrowers typically work with one of two types of professionals: loan officers or mortgage brokers. When choosing who to work with, it’s important to understand: loan officer vs a mortgage broker—what’s the difference, and is there an advantage to working with one over the other?  What’s the Difference Between a Loan Officer and a Mortgage Broker?  The main difference between a loan officer and a mortgage broker is who…

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USDA / VA / FHA Appraisal Requirements

Posted in FAQs, Guide to FHA Home Loans, Guide to USDA Home Loans, Guide to VA Home Loans, Home Buying Tips & InfoPosted by Shane Latzachipping paint on a cement block structure

In order for a loan to be financed, certain USDA, VA or FHA appraisal requirements must be met. The following will need to be repaired in order to avoid a re-inspection of the property: Paint ANY chipping or peeling paint will need to be scraped and painted, no matter how minor it may be. Remember to remove the old paint chips that have fallen onto the ground and dispose of them properly. Siding ANY missing…

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Celebrating 20 Years of Excellence at Maple Tree Funding

Posted in About UsPosted by Shane Latza

We’re celebrating 20 years of service in the Capital Region and New York State! In 2003, Maple Tree Funding first opened its doors, and we’ve continued to serve our clients and the community with our expertise in home mortgages and refinancing ever since. Two decades ago, Marty Pfeiffenberger, an incredible man with a love of numbers and a deep commitment to helping people, started Maple Tree Funding with a mission: to make the home-buying process…

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Onondaga County: A Haven for Home Buyers in Central NY

Posted in Upstate New York NeighborhoodsPosted by Shane Latzacouple moving into a new home in Onondaga County NY

Nestled in the heart of Upstate NY, Onondaga County is a vibrant county that offers something for everyone. Dotted with charming towns and small cities throughout, this largely rural county surrounding Syracuse has been something of a hidden gem – but it’s about to become a hot spot.  Preparations are already underway for the construction of a cutting edge Micron Technology semiconductor manufacturing campus in Clay, NY. This plant, which will see construction begin in…

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