The Accunet Mortgage Learning Center

The Accunet Mortgage Learning Center is your ultimate guide to learning the ins and outs of the mortgage industry. Regardless of whether you're buying your first home, looking to refinance, or simply want to learn more about today's rates and loan options, Accunet's team of loan officers will provide expert advice to handle any mortgage scenario.

Latest Articles

Accunet Mortgage’s COVID-19 Precautions and Accomodations

At Accunet Mortgage containing the spread of the COVID-19 virus is everyone’s top priority. We have made the health and safety of our clients a new facet of our mortgage lending process while we continue to quarantine and work through the pandemic. Our goal is to keep you safe and help you navigate the changes …

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How to freeze and unfreeze your credit

Freezing your credit: If a company has ever contacted you warning of a data breach to their systems affecting your personal information they have on file, or if you have had your wallet or credit cards stolen or lost, you may want to consider freezing your credit. Cybercriminals can access your social security number, date …

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3 Winning Home Refinance Strategies

All-time record low mortgage rates mean opportunity. Mortgage rates have never been lower with Freddie Mac’s weekly survey putting the 30-year fixed rate at an amazing 2.81% if you’re willing to pay 0.6 in points. …So what are your options for taking advantage of this opportunity? There are three leading refi strategies we use most …

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New Refi Rules of Thumb

The new mortgage refi rules of thumb: It’s all about your loan amount, and what it costs you to refinance. Loan amounts of $100,000 or less typically require a 1% to 2% rate reduction to make a refi worthwhile. Loan amounts around $200,000 usually only need a 0.5% drop in rate to save $1,000 or …

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The Accunet Mortgage Show (5/10/20 Episode)

In this week’s episode, Brian and David talk about silver linings, slim pickings, and skeptical lendings. This week’s highlights: Mortgage rates remain satisfying into the 2nd month of quarantine While purchase sentiment is iffy, now is the time to list your home Jumbo loans in a COVID world can be a bit of a monster …

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The Accunet Mortgage Show (5/3/20 Episode)

In this week’s episode, Brian and David talk listings, LLCs and liquidity. This week’s highlights: Listings are down, but homebuyers are hungrier than ever Sure, you can rent out your second home, with a few stipulations… Liquidity is the king as a financial safeguard, now more than ever Now is the time to list your home …

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The Accunet Mortgage Show (4/26/20 Episode)

In this week’s episode, Brian and David talk high unemployment, low available home inventory and fail-safe ways to get your home offer accepted. This week’s highlights: There is a light at the end of the tunnel for America’s skyrocketing unemployment numbers Available inventory for listed homes is next to none in some counties Accunet gives …

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The Accunet Mortgage Show (4/19/20 Episode)

In this week’s episode, Brian and David talk about the slippery slope of home sales, crossing the bridge to a bridge loan, and safe borrowing on the home buying journey. This week’s highlights: Housing trends took an interesting turn due to the uncertain COVID-19 economy Should you cross the bridge and apply for a bridge …

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The Accunet Mortgage Show (4/12/20 Episode)

In this week’s episode, Brian and David talk about low rates (with a few caveats), throw around some new F-words, and remind you to call your lender. This week’s highlights: Rates are favorable for new home buyers, but many stipulations have risen for applications and refinance Furlough? Forbearance? Federally-backed loans? There are many F-words in …

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The mortgage F-word of the day is Forbearance

Forbearance is that mortgage F-word of the day. It’s simply a fancy legal term for the agreement between a borrower and their mortgage servicer/lender that allows a homeowner to make less than the required monthly payment or possibly no payment for an agreed-upon period of time. As part of the recent Coronavirus Aid, Relief, and Economic …

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The Accunet Mortgage Show (4/5/20 Episode)

In this week’s episode, Brian and David discuss some strict changes to mortgage lending and financing due to the spike in unemployment sweeping the nation. This week’s highlights: FHA and VA loan lenders have raised their credit cutoff and debt-income ratio Jumbo loans are temporarily off the table for those over the mortgage limit Your …

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The Accunet Mortgage Show (3/29/20 Episode)

Brian and David provide some options for financial relief in these uncertain times, talk about outside-the-box appraisals, and warn buyers to never fib on a binding document! This week’s highlights: Mortgage rates are down even lower due to the volatile stock market. GSE’s are getting crafty with the appraisal process in this new world. Brian …

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Why mortgage rates are not lower.

Mortgage rates are not at rock bottom, and they probably won’t be any time soon. One reason is that all mortgage “factories” are already at 2x capacity from when rates dipped in late February and early March.  And remember, the Fed’s rate cut to 0% does NOT impact 30-year and 15-year mortgage rates. On March …

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The Accunet Mortgage Show (3/22/20 Episode)

Brian and David talk home sales in the time of Coronavirus, how we’re helping our clients, and how to avoid having second thoughts about your home loan. This week’s highlights: The Coronavirus pandemic is affecting the real estate status quo Face-to-face closings have been temporarily suspended You don’t have to back out of your loan …

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The Accunet Mortgage Show (3/15/20 Episode)

Brian and David discuss the roar of this week’s bear market and its effect on mortgage rates, Brian’s son-in-law’s adventures in home buying, and what to do when you have too much grass to mow. This week’s highlights: Mortgage rates are changing during these weird economic times, but remain low, so seize the day! Unsurprisingly, …

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Fed cuts “rates” to 0%! Mortgage rates UP???

That’s not typo. Mortgage rates are UP, while 99% of the public thinks they’re headed down. When you read or hear, “The Fed cut rates to 0%,” that rate only applies to overnight loans between banks, NOT mortgages. The Fed Funds rate was 0% for 7 years, from 2008 to 2015, and 30-year fixed rates …

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The Accunet Mortgage Show (3/08/20 Episode)

Brian and David talk bidding wars, the state of real estate, and overwhelmingly low mortgage rates! This week’s highlights: Flexibility is key when trying to out-bid fellow homebuyers with a killer offer to purchase. Home and condo prices are up since this time last year. Mortgage lenders can barely keep up with the trend of …

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The Accunet Mortgage Show (3/01/20 Episode)

Brian and David discuss reading and writing…pre-approval letters, that is! The guys put a microscope to the details of an offer from a buyer and seller perspective, and how this applies to the long and short of the housing market in Southeastern Wisconsin. This week’s highlights: Brian teaches you how to go over a pre-approval …

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The Accunet Mortgage Show (2/23/20 Episode)

Brian and his son-in-law Tim talk refinancing; when and how to refinance and get the most cash back and peace of mind. This week’s highlights: Rates remain at an all-time low The housing market is volatile; take advantage of the rates while you can. Now is the time to refinance your home! There are two …

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Accunet Office Invasion with 96.5 WKLH

On February 19, 2020, we hosted 96.5 WKLH during their Office Invasion broadcast. Dave Luczak, Dorene Michaels and Gino Salomone of WKLH got together with Brian and David Wickert to talk rates, refinances, and more! Find the highlights below. What is a Rock-Solid Guaranteed Pre-Approval? A mortgage pre-approval is comprised of three factors: Credit score …

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