You're buying a house, your offer is accepted, but you still need to secure a mortgage -- now what? Check out this week's episode of Show & Tell with The 2 Mortgage Guys and we'll walk you through the steps of processing your loan application and explain what happens at the closing table.




Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

The first time home buyer tax credit has officially been extended. If you're an existing home owner you may also qualify for the tax credit if you're planning on buying a new house! Check out this week's episode of Show & Tell with The 2 Mortgage Guys and we'll fill you in with the "nuts & bolts" of this new program. You can also get the complete details by visiting federalhousingtaxcredit.com.

Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

Not all mortgage rates are created equal. There is a time and a place to consider an adjustable rate mortgage vs. a fixed rate.

If you have short term plans to pay off your loan in full then an adjustable rate may save you money over the term of the mortgage. If you're planning on keeping your mortgage for a longer period of time then an adjustable rate may be too risky considering today's evolving stock market.

Check out this week's video and we'll explain a few more scenarios to help determine which option is right for you. Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

If you live in Indiana and you're planning on buying or refinancing a home then you'll definitely want to file for you eligible property tax exemptions. And if you don't, then follow along and we'll explain some of the common exemptions as well as the impact it could make on your tax savings.
Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

Unfortunately divorces are a part of life and if you're unfortunate enough to go through one then there are a few things you need to understand regarding your home, mortgage and future credit.

Check out this week's episode of Show & Tell with The 2 Mortgage Guys and we'll fill you in on one of the biggest misconceptions we encounter when meeting with recent divorcees.

Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

So you've probably heard of Fannie Mae and Freddie Mac but do you understand their role in the mortgage industry? We'll explain how they were created, what they do and how the taxpayers inherited these two multi-billion dollar organizations.

Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

This week on Show & Tell with The 2 Mortgage Guys we'll explain how escrowing works when included in your mortgage payment. We'll explain the benefit and advantage of escrowing your taxes and insurance as well as what could happen with future payments.

Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

Are you thinking about buying a home? Are you worried about missing out on the historically low interest rates? In this week's episode of Show & Tell with The 2 Mortgage Guys we'll explain the rate lock process. We'll let you know how and when to lock in your mortgage rate. Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

So you've heard of credit scores, but do you really understand how they're calculated? In this week's episode of Show & Tell with The 2 Mortgage Guys we'll break down the credit report guidelines and give you a few tips on how to keep your score from limiting your financial options!

Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

Are you thinking about buying a home in the near future? Regardless of your credit, the first thing you should do is get your financing in order with a mortgage pre-approval. Everything from credit score requirements to PMI has changed in the last 12 months, so you may be facing a surprise or two.

Getting a pre-approval will educate you on your current options and earn you some credibility when approaching a real estate agent. Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

Are you struggling to make your house payment each month? Part of the housing bill passed by President Obama included a program called Making Home Affordable Modification. It's designed to allow your servicing provider a method to make adjustments to your mortgage so you can afford the house payment and prevent going into foreclosure.

Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

Are you currently upside down in your home mortgage? Could life be a little easier with a lower interest rate and mortgage payment? The Making Home Affordable Refinance was created to allow you the opportunity to refinance your current mortgage when you normally wouldn't qualify to do so.

The first video explains the rules and guidelines and the second video will bring you up to date with some recent changes to the program. Ryan Minick and Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

Do you know what it means to "pay points" on a mortgage?

On this week's episode of "Show & Tell with The 2 Mortgage Guys" we explain what discount and origination points really are. We'll also give you a few scenarios in which you may have to pay points on your next mortgage transaction.

Ryan Minick & Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

On this week's "Show & Tell with The 2 Mortgage Guys," we're talking about gift money.

Are you thinking about buying a home? Have you saved up for a down payment? We'll explain how using gift money could put you in a position to buy a home without the need for a huge savings account.


Ryan Minick & Steve DeLon are The 2 Mortgage Guys. Subscribe to their newsletter or visit them at www.The2MortgageGuys.com.

On today's "Show & Tell with The 2 Mortgage Guys" video, we'll explain the new Mortgage Disclosure Improvement Act and how it effects you if your applying for a mortgage. We'll break down the good, the bad and the possible closing delays!

Ryan Minick & Steve DeLon are The 2 Mortgage Guys. Reach them at www.The2MortgageGuys.com