News and Education

If you’re in the market to buy a home, you’ll likely come across the term “mortgage points” during the lending process. While this term may seem unfamiliar, it’s important to understand what mortgage points are, how they work, and whether they could benefit your situation. In this article, we’ll provide a comprehensive guide to mortgage…

When buying a home, a joint mortgage can be a great option for couples, friends, or family members who want to combine their income and credit scores to increase their chances of approval and get a better interest rate. However, before you decide to apply for a joint mortgage, there are some important things you…

We all dream of making our homes more comfortable, functional, and aesthetically pleasing. However, home improvements can be quite costly. That’s where home improvement loans come in. This comprehensive guide will dive deep into understanding home improvement loans, their types, benefits, and the application process. Let’s get started! What Are Home Improvement Loans? Home improvement…

If you are seasonally employed and work only part of the year, you may need help qualifying for a mortgage to purchase or refinance a home. Whether your work is truly seasonal – such as landscaping or snow removal – or a temporary job you do on the side, lenders may view this type of…

A mortgage recession is when a significant number of homeowners default on their mortgage payments, leading to a rise in foreclosures, evictions, and a decline in the housing market. Mortgage recessions are often accompanied by economic downturns and can have far-reaching consequences on individuals, families, and the economy as a whole. In this article, we’ll…

When it comes to getting a mortgage, you have a few options to choose from. Two of the most common choices are a mortgage broker or a mortgage lender. However, there is also the option of working with Calcore Mortgage, a mortgage company that offers a unique blend of both services. In this article Mortgage…

Buying a home is a significant financial investment, and securing a mortgage is often the first step toward homeownership. However, if you’re currently unemployed, the process may seem daunting. Surprisingly, many people ask, “can you get a mortgage without a job?”. The good news is that getting a mortgage without a job is possible. In…

Buying a home is one of the most significant investments people make in their lifetime. And while it’s a thrilling experience, it can also be an overwhelming process. One of the essential things to understand before purchasing a home is mortgages. Mortgages can be confusing and complicated, but they are an integral part of the…

If you’re in the market for a mortgage loan, consider asking someone to co-sign on your loan application. Co-signing can effectively increase your chances of getting approved, but there are better choices.  In this article, we’ll discuss everything you need to know about co-signing a mortgage loan, including what it means, how it works, and…

Are you looking to buy a home in a rural area but need help finding affordable financing options? Look only as far as Calcore Mortgage, your go-to provider for understanding USDA loans. In this article, we’ll discuss USDA loans’ eligibility requirements, types, and benefits and how Calcore Mortgage can help you secure the financing you…