Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart May 1, 2025

Can I Roll Closing Costs Into My Mortgage to Reduce My Upfront Expenses?

Buying a home is an exciting milestone, but it also comes with a range of upfront costs that can add up quickly. One of the biggest financial concerns for many homebuyers is closing costs. These expenses, which typically range from 2 to 5 percent of the home’s purchase price, can put a strain on your budget. If you are wondering whether you can roll your closing costs into your mortgage to reduce your upfront expenses, the answer depends on the type of loan you are using and your lender’s guidelines.

Filed Under: Mortgage Tips Tagged With: Closing Costs, Home Financing, Mortgage Loans

Emanuel Stewart April 1, 2025

Challenges and Solutions for Mortgages in Remote Areas

Buying a home in a remote area can be a dream come true–peaceful surroundings, open spaces, and a slower pace of life. However, securing a mortgage for these properties comes with unique challenges. As a mortgage originator, I’m here to break down the hurdles and offer solutions so you can make your rural homeownership dreams a reality.

Filed Under: Mortgage Tagged With: Mortgage Loans, Mortgage Tips, Remote Areas

Emanuel Stewart March 21, 2025

Mortgage Options for Non-U.S. Citizens

Purchasing a home in the U.S. as a non-U.S. citizen is entirely possible, but the process comes with unique requirements and considerations. Whether you are a permanent resident, temporary visa holder, or foreign national, understanding the available mortgage options can help you navigate the path to homeownership successfully.

Filed Under: Mortgage Tips Tagged With: Foreign National Loan, Home Ownership, Mortgage Loans

Emanuel Stewart September 12, 2024

What Borrowers Need to Know About Mortgage Rate Locks

When it comes to securing a mortgage, timing is everything–especially when it comes to locking in an interest rate. Mortgage rates can fluctuate daily, and even a small change can have a significant impact on your monthly payments and the total cost of your loan. To protect yourself from rising interest rates while you’re in the process of buying a home or refinancing, you can use a mortgage rate lock.

Filed Under: Mortgage Rates Tagged With: Mortgage Lending, Mortgage Loans, Mortgage Rate Locks

Emanuel Stewart June 20, 2023

Legal Documents You Need When Buying a House

You will need to provide several documents to your lender and the seller. The specific documents required may vary depending on the lender and the type of loan you are applying for, but here are some of the most common documents you may need.

Filed Under: Home Mortgage Tips Tagged With: Documents, Mortgage, Mortgage Loans

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8550 United Plaza Boulevard Suite 702
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