Ryan Scarborough NMLS# 1089888 - Highlands Mortgage

02/28/2025

First good week for mortgage rates in several months. The trend is your friend.

todays mortgage rates, conventional mortgage rates, purchase mortgage rates, refinance mortgage rates, VA, FHA, government mortgage rates

11/11/2024

Happy Veterans Day to all of our clients and neighbors who have done so much to secure our freedom and safety.

11/01/2024

What can your house buy you? With our cash-out refinance of up to 89.99% of your home’s value — well beyond the 80% at most banks and retail lenders — probably more than you think! Plus, no mortgage insurance!

09/04/2024

Rates continue to fall, reach out to get a quote today!

(Bloomberg) -- US mortgage rates fell last week to their lowest level since April 2023, prompting potential homebuyers to apply for loans at a faster clip.Most Read from BloombergHow Air Conditioning Took Over the American OfficeHong Kong’s Arts Hub Turns to Selling Land to Stay AfloatThe Outsized...

07/23/2024

Tired of high monthly FHA or VA mortgage payments? Ask about current pricing for FHA and VA refinances which have significantly improved over the last month. It could be a fast and easy way to lower your monthly payments. Call our office today or go to www.highlandsmtg.com

07/22/2024

Did you know that seller concessions can be used toward a temporary rate buydown? Partner with us to help your buyer lower their interest rate at the beginning of their loan for significant savings.

07/18/2024

Understanding construction loans: One-time closing means you get approval for both construction and financing at the same time, eliminating the need for multiple loan applications and closing dates. One-time closing programs are available for both conventional and VA loans. Call today to find out more information about this unique type of home financing.

06/10/2024

Mortgage insurance is a crucial part of the homebuying process. While it's designed to protect the lender, it also has benefits for the borrower. Want to learn how? Let's chat!

05/28/2024

First-time homebuyers with credit scores as low as 500 can obtain an FHA home loan through some of the lenders that we work with (*10% down requirement). Borrowers with FICO scores above a 640 (3.5% down) can benefit from government subsidized pricing which allow you to qualify with the same rate as a borrower with a perfect credit score. Let's talk about the magical world of FHA loans, where lower down payments and easier credit qualifications exist. So, what are you waiting for? Reach out today to discuss the options that are available.

05/25/2024

Still saving for that down payment? I can help you get into the home of your dreams with no down payment required upfront. Call me today!

04/23/2024

Not sure if it’s time to buy? We can help you determine how much home you can afford before you begin your search. Give us a call today!