Brianna McGurran

Berlin

Writer and Editor at Freelance

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Articles

What Is a Mortgage Rate Lock?

2 weeks ago | experian.com | Brianna McGurran

How Does a Mortgage Rate Lock Work? When you're applying for a mortgage, the interest rate you qualify for can fluctuate daily, or even multiple times a day, based on the state of the market. A rate lock keeps your rate from going up before your loan is finalized. You can typically lock in your rate for 30, 45 or 60 days.
Do You Need a Down Payment to Refinance Your Home?

3 weeks ago | experian.com | Brianna McGurran

Curious about your mortgage options? Explore personalized solutions from multiple lenders and make informed decisions about your home financing. Leverage expert advice to see if you can save thousands of dollars. Learn moreAbout the authorBrianna McGurran is a freelance journalist and writing teacher based in Brooklyn, New York.
What Is a No-Closing-Cost Mortgage?

3 weeks ago | experian.com | Brianna McGurran

Pros and Cons of a No-Closing-Cost MortgageThere are clear benefits and drawbacks to a no-closing-cost mortgage, and it's key to understand exactly how much it'll cost you in total before choosing one. Here are the major pros and cons:Less to pay initially: It's already overwhelming for many borrowers to come up with a down payment, let alone closing costs. A mortgage that lets you transfer some of the upfront charges to a different part of the loan means less to save up for.
First-Time Homebuyer Qualifications

1 month ago | experian.com | Brianna McGurran

Requirements for First-Time HomebuyersIf you meet the definition of a first-time homebuyer, you can search for a home and apply for a mortgage with the help of programs designed with you in mind. Here are the additional requirements you'll likely need to meet:Credit score requirements vary from program to program. Some, like Tennessee's Great Choice Loan Program, have a minimum credit score of 640, which is in line with the requirements for traditional conventional loans.
How to Pay a Mortgage

1 month ago | experian.com | Brianna McGurran

Quick AnswerThere are many ways you can pay your mortgage, including online, by phone, by mail and via direct debit. Choose the mortgage payment method you’re most comfortable with based on your lender’s available options. There are many ways you can pay your mortgage, including online, by phone, by mail and via direct debit. The best way to pay your mortgage is the method that is most likely to get the payment to your lender on time.
What Is a Bank Statement Loan?

1 month ago | experian.com | Brianna McGurran

Quick AnswerA bank statement loan is a type of mortgage designed for those who can’t provide mortgage lenders with traditional income documents like W-2s, pay stubs or tax returns. They’re often best for self-employed individuals and business owners. A bank statement loan is a type of mortgage that self-employed individuals and business owners can qualify for based on their cash flow.
What Is a Closing Disclosure?

1 month ago | experian.com | Brianna McGurran

Quick AnswerA closing disclosure is a document that explains a mortgage’s final terms and closing costs. It helps you understand the precise terms of the loan and compare those details with the loan estimate previously provided by the lender. A closing disclosure is a document that explains a mortgage's final terms and closing costs. Under federal law, if you're financing a home, the lender must give you a copy of your closing disclosure three business days before closing.
Can I Finance a High-Mileage Car?

2 months ago | experian.com | Brianna McGurran

Quick AnswerYou can finance a high-mileage car using an extended-mileage car loan. But options are limited, and interest rates are higher for extended-mileage car loans than for those geared toward new cars or more recently manufactured used cars. It's possible to finance a high-mileage car using an extended-mileage car loan. You may have to shop around, as certain lenders may only provide financing for cars that are under a certain age or mileage.
How to Get Out of an Upside-Down Car Loan

2 months ago | experian.com | Brianna McGurran

How to Get Out of an Upside-Down Car LoanThere are two main reasons why you may find yourself with an upside-down car loan:If the car gets totaled, and the lender sells the car to earn back some money, you may have to pay a deficiency balance if you owe more than the lender gets from the sale. If you want a new car and you decide to trade in your current vehicle, you'll have negative equity.
How to Add Someone to Your Car Insurance

2 months ago | experian.com | Brianna McGurran

Quick AnswerYou can add someone to your car insurance by calling your insurer or using your online account. Check with your insurance company: Drivers in your household may already be covered automatically, depending on the insurer and state law. You can add someone to your car insurance by calling your insurer or making the change via your online account.

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