Melody Ricks

NMLS # 2502800

469-531-8885

MelodyRicks@financeusa.us

Melody Ricks Mortgage Loan Officer

Blog

Should I Buy a New or Existing Home?

Should I Buy a New or Existing Home?

A recent survey from the National Association of Home Builders found that the number of prospective home buyer looking for a new home more than doubled during the past year. At the same time, the number of those searching for only existing properties fell

Apr 07, 2021 | Purchasing a Home

What Loan Options are Available for Rental Properties?

What Loan Options are Available for Rental Properties?

While the COVID-19 pandemic has hit many Americans hard financially, for others who have been able to hold onto their jobs, it has been a time of saving money on commutes and lack of vacations and entertainment. That extra cash, coupled with the fact that

Mar 31, 2021 |

How to Apply for a Mortgage Online

How to Apply for a Mortgage Online

Not all that long ago, in order to apply for a home loan, you would have to go into a bank or lender office and fill out paperwork by hand. Thankfully, the advance of smartphones and technology have made it more convenient than ever to apply for a mortgag

Mar 24, 2021 |

Why does Buying a Home require so much Insurance?

Why does Buying a Home require so much Insurance?

When you are ready to buy a home, you will hear about a lot of different types of insurance: homeowners’ insurance, private mortgage insurance, title insurance, etc. What is the difference between all of these and why are they required? Here’s everything

Mar 17, 2021 |

Mortgage Rates are Seasonal and Other Secrets

Mortgage Rates are Seasonal and Other Secrets

We’ve known for decades that home buying and selling follows seasonal patterns, but a recent study* from housing tech startup Haus found that mortgage interest rates also have their own pattern. They also uncovered several other tidbits about how and when

Mar 10, 2021 | Interest Rates

Time to Take Advantage of the Commercial Real Estate Market

Time to Take Advantage of the Commercial Real Estate Market

The coronavirus pandemic that shutdown the U.S. economy almost a year ago has continued to affect the nation in many more aspects than just personal health. With millions of American companies forced to have their employees work from home, many of them ha

Mar 03, 2021 |