Tim White

NMLS # 506583

334-444-7552

Tim@SMGmortgage.com

Tim White Mortgage Advisor

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Is Now the Right Time to Buy Your First Home?

Is Now the Right Time to Buy Your First Home?

There are millions of potential U.S. homebuyers sitting on the sidelines wondering if it is smart to buy their first house in the midst of a global pandemic. Unemployment is the highest it's ever been, COVID-19 cases are still rising in many places, a

Sep 23, 2020 | Purchasing a Home First-time Homebuyers

How the New Fed Policy Will Affect Your Mortgage Rates

How the New Fed Policy Will Affect Your Mortgage Rates

The U.S. Federal Reserve recently announced its new approach to monetary policy, setting the markets abuzz with rumors. Will mortgage interest rates remain low? Will they jump? Here’s what the Fed’s policy means for mortgage loans. Fed Policy

Sep 16, 2020 | Interest Rates Fixed Rate Mortgages

The Little-known Mortgage That Doesn’t Require a Down Payment

A conventional mortgage loan requires a 20% down payment. If you are a first-time homebuyer however, saving up tens of thousands of dollars can seem like an impossible task. Of course, there are loan programs, like FHA mortgages, that allow for low down p

Sep 09, 2020 | Government Loans USDA Loans

Why a Mortgage is Good Debt

Why a Mortgage is Good Debt

In today’s coronavirus-crisis economy, many Americans may be regretting taking on debt in the past or facing new debt to cover expenses during unemployment. And yet millions of consumers continue to apply for mortgages for home purchases, one of the

Sep 02, 2020 | Mortgage Debt

3 Questions That Home Buyers Should Ask a Realtor

3 Questions That Home Buyers Should Ask a Realtor

  Beginning the process of shopping for your first home is incredibly exciting! In your search for the perfect first home, your realtor should be your right-hand man, guiding you throughout the process with as much ease as possible. As with many things

Sep 01, 2020 | Home Buyers Realtor

Should I Refinance into a 15-year Mortgage Now?

Should I Refinance into a 15-year Mortgage Now?

Mortgage interest rates are at all-time lows right now. It’s obviously a great time to refinance for lower rates and payments. Perhaps you are interested in paying off your mortgage loan faster though. Is refinancing into a shorter loan a good idea

Aug 26, 2020 | Refinancing a Home

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