Lazaro Munoz

Loan Originator

NMLS# 2373739

Lazaro Munoz Loan Originator

4 Predictions for the 2021 Mortgage Market

The 2020 housing market surprised everyone by quickly bouncing back after slumping during the first few months of the coronavirus pandemic. What might the coming year hold as the country continues to Jan 13, 2021

Mortgage Lingo 101

As a first-time home buyer, you will hear lots of words that you may not be familiar with. Just like every industry, the real estate market has its own lingo, and it can be confusing for newbies. Here Jan 06, 2021

Should I Pay Mortgage Taxes and Insurance on My Own?

When you buy a home or refinance, your lender will talk about setting up an “escrow” account. They may also refer to the charges in that account at “impounds.” If you are new t Dec 30, 2020

Questions to Ask Your Mortgage Lender

Buying a home or refinancing usually involves taking out the biggest loan of your life. It's important to make sure you understand everything that goes into that mortgage and what will be required Dec 16, 2020

How Much of My Income Should Go to My Mortgage?

Back in the U.S. housing boom in the early 2000s, mortgage money flowed freely, with many borrowers being qualified for more loan than they could actually afford. When the housing bubble burst and the Dec 09, 2020

Is My Credit Score Good Enough for a Mortgage?

With interest rates near all-time lows, now is a perfect time to get a good deal on a mortgage. Of course, every refinance or home purchase loan has borrower requirements to be met, including a decent Dec 02, 2020