Mortgage Solutions, Inc.

07/07/2025

H.R. 1, the One Big Beautiful Bill Act, brings a much-needed tax break for buyers with less than 20% down by allowing them to fully deduct their mortgage insurance premiums. It also adds and continues tax benefits to Investors in many scenarios!

06/30/2025

Thanks to our great Realtor Partner, Nancy Taylor, we have another happy closed customer at a great rate of 5.625! Unbelivable right? If you partner up with the right team, you can get these great rates too. Promise to post more often!

09/19/2022

Hot Property Just Listed, if you might be interested in this or any other home, call us for a Free Consultation and Pre-Approval.

09/02/2022

Why pay outrageous rent when you can invest in yourself? We have the solution. Call for a free rent vs own analysis.

Serving Alabama 260 Loans Products to suit every need- FHA, VA, Conventional, Scores to 580, 1% down

08/29/2022

Another Happy New Homeowner, Who's next? Congrats to Christopher T. You and the kids are going to love your new home!
We Appreciate Your Business Chris!
***A special thanks to Jamie McCormick, she is an excellent realtor and a true pro. I Highly recommend her, she's with Berkshire Hathaway HomeServices Cooper & Company at 251-654-4130.***

Serving Alabama 260 Loans Products to suit every need- FHA, VA, Conventional, Scores to 580, 1% down

08/02/2022

Home Prices not likely to Decline: In our markets, home prices will not likely drop for one simple reason, Inventory. For a balanced market we should have 6 months supply of homes available for sale on any given day, currently we are holding around 2 months supply. And with housing starts down, this likely wont change. What we will see and are seeing is appreciation rates to normalize around 3% per year, the end to bidding wars on properties, and Sellers more likely to negotiate terms with buyers.

07/27/2022

The federal reserve raised short-term rates by .75% today, did mortgage rates go up? Well if you thought they would, you would be mistaken. Mortgage Bond values are eroded by inflation, and with the Fed raising rates, the mortgage bond buyers like the fact the Fed is trying to keep inflation in check. Rates remained stable today with little change after the rate hike by the Fed.

We will be analyzing current home pricing trends in the coming days. Will housing prices drop in our area? Stay tuned....

07/01/2022

Another Happy Home Owner, Congratulations Dyala! Wishing you many years of happiness and joy in your awesome new home.

Chris & Dorothy

06/29/2022

Limited time offer, free Rent vs Own analysis and Home Loan Easy qualification workshops. Take advantage of this limited-time offer.

06/23/2022

So the rate Increases keep coming, yet Home Affordability in our area still beats renting! Mortgage rates are hovering about 1.50- 2% higher than their lows. Which is still very low rates. Great low to no down payment loans remain available.

01/18/2022

Rates remain extremely volatile.

The Fed has announced no less than 3 Rate Hikes for 2022 in an effort to curb inflation. The hikes are anticipated to begin in March of 2022. However, the news of the hikes has already affected Mortgage Rates. We are seeing across the board rate increases of .25% to .50% for all loan products as the markets have already anticipated the first rate increase.

We recommend any refinance or purchase customers look to rate lock as soon as possible, the Fed meets again on Jan 24th and actual rate increase announcements are expected March 14-15th.
To minimize the risk of the impending rate hikes, lock no later than March 11th in advance of the Fed's March meetings.

04/08/2020

How to Maintain your credit during Covid-19. Credit is hard to establish and easy to harm. Follow these steps to protect your credit during these trying times:

1) Contact your creditors that you may need help with payments and request payment arrangements and/ or request an Extension, Forbearance, or any assistance they may offer. ( It is crucial you reach out to your creditors to qualify, don't wait until your payment is due or is going to become late.)

2) Auto loans, Personal Loans, Student Loans, and Credit Cards are more likely to offer a deferred payment.

3) Mortgage Loans that are Federally backed may offer a forbearance plan, BUT- you will have to catch up any skipped payments within 12 months most likely- so this is delaying payments that you will have to catch up at some point, expect offers as follows: “Sir/Ma’am, you will need to pay us a one and a quarter payment for the next 4 months to catch up the payment we extended on your mortgage” so on a $1000 mortgage payment you may be asked to pay $1250 for four consecutive months to catch up one missed payment.

My thoughts are look to contact creditors if and only if you feel you will need relief. ask the creditor to Extend, Defer, or Pay interest due (Often much less than a full payment), on any non mortgage payment first, and only request help on your mortgage if you absolutely have no other choice, as you likely will have to catch up those mortgage payments within a specified time frame. Also consider contacting your utility companies for possible relief.

This information is very fluid now, so your results may vary. We are here to provide the most accurate and up to date information as best we can.

We will look to provide updates on all things mortgage related over the coming weeks. And remember Keep your head high.
“You can never stop the sunset. Yet you and I can stop the coronovirus, through our separation. With our patience, alertness, courage, kindness and Love, we will prevail.”

For further information look to the CFPB at:

If you can’t make your mortgage payments because of the coronavirus, start by understanding your options and reaching out for help.