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Free Mortgage Info 

        Specializing in bringing “Today’s Mortgage Solutions” to our clients, Blue Ribbon Mortgage is an independent Cincinnati, Ohio  Mortgage Broker providing creative mortgage loans to meet the financial needs of our clients.  We hope the free mortgage info provided on this page will help you understand the mortgage loan process and factors that affect your ability to obtain a mortgage loan for your home.  

CREDIT SCORING:  Everyone talks about it, so tell me….What is Credit Scoring?

Credit Scoring is a quick, accurate, and consistent scientific method for assessing credit risk.  When you apply for a residential mortgage loan, your Cincinnati mortgage broker or banker will obtain a report from one or more credit bureau agencies to help them determine whether or not to extend credit for your home loan and, if the decision is to grant your mortgage loan request, what Cincinnati home mortgage rate, loan to value percentage, and other conditions they will require.   For more information about credit scoring, including information about bad credit mortgages, click here.

 CLOSING COSTS:   Many of the closing costs associated with obtaining a mortgage loan are self-explanatory (i.e. mortgage broker fee, credit bureau fee).  Other closing costs, however, can be more difficult to understand. The fees charged in connection with a mortgage loan transaction are known as mortgage loan closing costs.  Money paid by a buyer or homeowner (and/or seller or third party in some cases) to effect the closing of a Cincinnati residential mortgage loan generally include, but are not limited to the mortgage loan origination fee, mortgage broker fee, title examination and insurance, survey, attorney’s fees, recording fees, and appraisal fees.  For more detailed information about mortgage loan closing costs, click here.   

 LOAN PRODUCTS:  The mortgage industry has created many Cincinnati residential mortgage loan options to fulfill the varied mortgage needs of consumers.  High loan to value, no income verification loans, Cincinnati mortgage refinance loans, bad credit mortgage options,  and no down payment mortgage loans are only a few programs available for today’s mortgage loan consumer.  For more detailed information about these and other Cincinnati residential mortgage solutions, click here.

 MORTGAGE ASSOCIATIONS:  To find a qualified, reputable mortgage professional, you may want to research the Ohio Association of Mortgage Brokers or the National Association of Mortgage Brokers.  Both these organizations are committed to keeping the mortgage industry honest and fair consumers as well as mortgage professionals. 

 COMMERCIAL MORTGAGES:  Commercial mortgages and mortgages for mixed use properties have, in the past, been difficult to obtain.  Recently, though, Cincinnati residential mortgage lenders have developed Cincinnati commercial mortgage loan options structured similarly to Cincinnati home loans.  This means that many of the loan product options available for a Cincinnati residential mortgage are now also available for Cincinnati commercial mortgage customers as well.   No income verification, higher loan to value options, fixed rate options, and many other mortgage solutions previously available only to the residential mortgage borrower are now available for the commercial loan borrower.  For more information about Cincinnati commercial mortgage options, click here.