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	Lyons Mortgage Services, Inc. - LyonsOnline.com
	About Us Services Contact News Qualify for a Loan
	First-time home-buyer
	Advantages of Homeownership Risks of Homeownership How Much Can I Afford? A Variety of Loan Programs WelcomeHome™ FirstHomeNow™ MyCommunityMortgage™ NeighborhoodFirst™ DreamHomeChoice™ MyHomeOptions™
	Where should I begin?
	Finding the Home of Your Dreams Negotiating the Purchase of the Home The Home Inspection
	The Mortgage Application Process
	1. Selecting a Mortgage Program 2. Get the Best Rate 3. Apply for a Loan 4. Get Pre-Approved! 5. Loan Processing 6. The Final Approval Decision 7. What to expect at Closing 8. After the Closing
	Already a Home Owner?
	Reasons for Refinancing Are you eligible to refinance? Home Equity Loans & Credit Lines Home Equity Line of Credit Line of Credit Vs. Second Mortgage Cash-out Refinance Is now the best time to refinance?
	Commercial Financing
	Commercial Financing Apply Online
	Construction Lending
	Guide to Building your Own Home Qualifications of a Successful Owner-Builder Rules Successful Owner-Builder Abide By The Most Important Phase of Your Project Can you afford building your home? Finding a Lot and Neighborhood Location Considerations Custom Design your house plans Get bank approval for the home building project Close on your home building project Frequently Asked Questions: Before Your Construction Loan Is Approved Once Your Construction Loan Is Approved
	Lyons Mortgage Library
	Mortgage Glossary General Advice Basic Information Rates and Fees Your Property Your Credit Your Application Your Closing Mortgage Tools
	Lyons Mortgage Library: General Advice
	Two Key Factors in Qualifying for a Home Loan How To Speed Up The Mortgage Process Your Initial Meeting With a Mortgage Professional
	Lyons Mortgage Library: Basic Information
	What is a mortgage? What is a Fixed Rate Mortgage? What is an Adjustable Rate Mortgage? What is a Balloon Mortgage? What is a Home Equity Loan? What is a Fixed Rate Home Equity Loan? What is a Home Equity Line of Credit? What is a Balloon Equity Loan?
	Lyons Mortgage Library: Rates and Fees
	Interest Rates Explained What is a Rate Lock and How does it work? What is Annual Percentage Rate (APR)? What are Closing Fees? What is Mortgage Insurance? What is an Escrow Account?
	Lyons Mortgage Library: Your Property
	Information about Appraisals Why do I need a home inspection? What are common issues with appraisals? How do I get a copy of appraisal?
	Lyons Mortgage Library: Your Credit
	Information about Credit Reports What is Credit Scoring and How does it affect me? Who collects credit information? How can I obtain a copy of my credit report? What are my legal rights?
	Lyons Mortgage Library: Your Application
	How much can I borrow? How is my income evaluated? How does a lender know if I can afford it? What do I need to provide when I apply? What are my legal rights?
	Lyons Mortgage Library: Your Closing
	What is Title Insurance and Why do I need it? What can I expect at closing? What happens after closing my loan? What happens if my loan is sold to another lender? What are my legal rights?
	Lyons Mortgage Library: Mortgage Calculators
	Loan Calculator Rent or Buy Calculator Refinance Calculator Bi-weekly Mortgage Calculator Points Vs. No Points Calculators Affordability Calculator Fixed Rate Vs. Adjustable Rate Calculator Down Payment Comparison Calculator Home Equity Calculator - Coming Soon!

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