Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart August 23, 2022

Assessing Your ‘Debt-to-Income Ratio’ and Why This Number Matters When Getting a Mortgage

For those who are looking to buy a home soon, keep in mind that the Debt-to-Income ratio of the borrower plays a huge role in the approval of your mortgage application. A low DTI may make it easier for the lender and the underwriter to justify making a loan to the borrower.

Filed Under: Mortagage Tips Tagged With: Debt-to-Income ratio, Mortgage Approval, Mortgage Loan Information

Emanuel Stewart August 9, 2022

The Type of Home You Want to Buy Determines Your Closing Cost and Here’s Why

Savvy home buyers who are preparing to make a real estate purchase should do their research and understand that they need to save money for not only the down payment but the closing costs as well. The closing costs can account for as much as three to five percent of the sales price in some cases, so this can be a rather sizable amount of money. Some home buyers however, may not realize that the amount of closing costs can vary considerably based on the home that is purchased. With a closer look at why this is, home buyers can make a more educated decision when selecting a home to purchase.

Filed Under: Mortagage Tips Tagged With: Closing Costs, Home Purchase, New Home

Emanuel Stewart March 16, 2022

Owning A Home Can Contribute To A Retirement Portfolio

Many people dream of retiring one day, and there are numerous assets that contribute to that retirement goal. Social security, pension plans, and savings accounts have traditionally provided assets people use to enjoy their retirement; however, this traditional plan ignores one of the most valuable assets.

Filed Under: Mortagage Tips Tagged With: Equity, Owning A Home, Retirement

Emanuel Stewart March 4, 2022

A Guide To Helping A Dog Adjust To A New Home

Most people treat their dogs as members of the family. Just as moving can be difficult for children, moving can be a challenge for dogs as well. Dogs develop an attachment to their homes, and they can have a hard time adjusting to a new place.

Filed Under: Mortagage Tips Tagged With: Mortgage Tips, Moving with Pets, New Home

Emanuel Stewart November 4, 2021

Decluttering A Home Can Make A Major Impact

There are numerous homeowners who are looking for a way to make more space. Even a small decluttering project can make a significant difference to the amount of space available in a home. This can also make it easier for homeowners to find what they are looking for. Furthermore, if a home is going on the market in the near future, it needs to be as clean as possible. That way, prospective buyers can see the potential of a home. What are a few examples of decluttering projects that can make a significant difference?

Filed Under: Mortagage Tips Tagged With: Declutter, Mortgage, Storage

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8550 United Plaza Boulevard Suite 702
Baton Rouge, LA 70809

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