--- title: | Scott McElmurry (2) description: (2) --- ![blrm_logo-166x45.png](https://blog.blrmortgage.com/hs-fs/hubfs/Mortgage_Site/images/blrm_logo-166x45.png?width=166&name=blrm_logo-166x45.png "blrm_logo-166x45.png") ![logo-rock-mortgage.png](https://blog.blrmortgage.com/hs-fs/hubfs/Mortgage_Site/images/logo-rock-mortgage.png?width=180&name=logo-rock-mortgage.png "logo-rock-mortgage.png") ![blog-bg.jpg](https://blog.blrmortgage.com/hs-fs/hubfs/Mortgage_Site/images/blog-bg.jpg?width=1600&name=blog-bg.jpg "blog-bg.jpg") # NEWS ## Scott McElmurry ### Recent Posts ## [New Changes may increase credit Scores](https://blog.blrmortgage.com/mortgage-newblog/new-changes-my-increase-credit-scores) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Jun 29, 2017 11:58:37 AM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/blogcreditscore.png) ](https://blog.blrmortgage.com/mortgage-newblog/new-changes-my-increase-credit-scores) Credit scores for millions of Americans may soon increase due to changes in how Civil Judgments and Tax Lien are reported. [Read More **](https://blog.blrmortgage.com/mortgage-newblog/new-changes-my-increase-credit-scores) Topics: [credit score](https://blog.blrmortgage.com/mortgage-newblog/topic/credit-score) [how do I calculate my credit score](https://blog.blrmortgage.com/mortgage-newblog/topic/how-do-i-calculate-my-credit-score) [credit report](https://blog.blrmortgage.com/mortgage-newblog/topic/credit-report) [Mortgage Loans](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage-loans) ## [ON KTHV: Buying a home in a seller's market](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-buying-a-home-in-a-sellers-market) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Jun 22, 2017 9:35:15 AM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/scottrob.png) ](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-buying-a-home-in-a-sellers-market) Learn how to prepare when buying a home in a "Seller's Market." [Read More **](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-buying-a-home-in-a-sellers-market) Topics: [How to buy a home](https://blog.blrmortgage.com/mortgage-newblog/topic/how-to-buy-a-home) [Get pre-qualified online](https://blog.blrmortgage.com/mortgage-newblog/topic/get-pre-qualified-online) [Home Loans](https://blog.blrmortgage.com/mortgage-newblog/topic/home-loans) [Pre Qualification](https://blog.blrmortgage.com/mortgage-newblog/topic/pre-qualification) ## [The Mortgage Payment: What costs are Included?](https://blog.blrmortgage.com/mortgage-newblog/mortgage-payment) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on May 30, 2017 12:18:28 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/blogmortgagepayment.png) ](https://blog.blrmortgage.com/mortgage-newblog/mortgage-payment) So before you apply for a mortgage and settle on a property, make sure you are capable of paying back more than what you have borrowed. During the approval process, your mortgage bank will assist you in helping you plan out your payment process and understand exactly what you can afford. [Read More **](https://blog.blrmortgage.com/mortgage-newblog/mortgage-payment) Topics: [Mortgage payment](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage-payment) [PITI](https://blog.blrmortgage.com/mortgage-newblog/topic/piti) ## [New Loan Program Allows 1% down payment](https://blog.blrmortgage.com/mortgage-newblog/new-loan-program-allows-1-down-payment) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Apr 11, 2017 10:55:10 AM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/blog1.jpg) ](https://blog.blrmortgage.com/mortgage-newblog/new-loan-program-allows-1-down-payment) In the past, a 20% down payment was standard for conventional home buyers. Low down payment options were restricted to VA programs, USDA loans, or other government loans. Today there’s a new program that could let you purchase a home with just **1% down.** [Read More **](https://blog.blrmortgage.com/mortgage-newblog/new-loan-program-allows-1-down-payment) Topics: [1% Down Payment](https://blog.blrmortgage.com/mortgage-newblog/topic/1-down-payment) [Low Down Payment](https://blog.blrmortgage.com/mortgage-newblog/topic/low-down-payment) ## [Homeownership Programs in Arkansas](https://blog.blrmortgage.com/mortgage-newblog/homeownership-programs-in-arkansas) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Mar 17, 2017 10:35:31 AM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/bloghomeownershipAR.jpg) ](https://blog.blrmortgage.com/mortgage-newblog/homeownership-programs-in-arkansas)   [Read More **](https://blog.blrmortgage.com/mortgage-newblog/homeownership-programs-in-arkansas) Topics: [How to buy a home](https://blog.blrmortgage.com/mortgage-newblog/topic/how-to-buy-a-home) [first-time home buyer](https://blog.blrmortgage.com/mortgage-newblog/topic/first-time-home-buyer) [home ownership](https://blog.blrmortgage.com/mortgage-newblog/topic/home-ownership) ## [HUD decreases MIP fees](https://blog.blrmortgage.com/mortgage-newblog/hud-decreases-mip-fees) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Jan 9, 2017 4:31:00 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/blogmip.jpg) ](https://blog.blrmortgage.com/mortgage-newblog/hud-decreases-mip-fees) # **Mortgage Insurance Premium Reductions**   This morning HUD announced a 25 basis point reduction in the annual MIP fee effective for loans with a closing/disbursement date on after January 27, 2017. [Read More **](https://blog.blrmortgage.com/mortgage-newblog/hud-decreases-mip-fees) Topics: [mortgage insurance](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage-insurance) [first-time home buyer](https://blog.blrmortgage.com/mortgage-newblog/topic/first-time-home-buyer) [FHA Loans](https://blog.blrmortgage.com/mortgage-newblog/topic/fha-loans) ## [On KTHV: VA Mortgages Fact vs Fiction](https://blog.blrmortgage.com/mortgage-newblog/va-mortgages-fact-vs-fiction) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Oct 14, 2016 9:28:07 AM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/scott.jpg) ](https://blog.blrmortgage.com/mortgage-newblog/va-mortgages-fact-vs-fiction)   VA Mortgages: Fact or Fiction?  Take a look. [Read More **](https://blog.blrmortgage.com/mortgage-newblog/va-mortgages-fact-vs-fiction) Topics: [mortgage](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage) [VA Loans](https://blog.blrmortgage.com/mortgage-newblog/topic/va-loans) ## [On kthv: finding the mortgage that is right for you](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-finding-the-mortgage-that-is-right-for-you) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Aug 9, 2016 5:00:00 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/Scott_and_Tom.jpg) ](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-finding-the-mortgage-that-is-right-for-you) Wondering what type of mortgage is right for you?  Take a look. [Read More **](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-finding-the-mortgage-that-is-right-for-you) Topics: [mortgage](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage) [private mortgage insurance](https://blog.blrmortgage.com/mortgage-newblog/topic/private-mortgage-insurance) ## [Give Yourself Credit: Managing Your Credit Profile](https://blog.blrmortgage.com/mortgage-newblog/give-yourself-credit-managing-your-credit-profile) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Jun 21, 2016 4:10:38 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/blogcredit.jpg) ](https://blog.blrmortgage.com/mortgage-newblog/give-yourself-credit-managing-your-credit-profile)   [Read More **](https://blog.blrmortgage.com/mortgage-newblog/give-yourself-credit-managing-your-credit-profile) Topics: [credit score](https://blog.blrmortgage.com/mortgage-newblog/topic/credit-score) [mortgage](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage) [credit report](https://blog.blrmortgage.com/mortgage-newblog/topic/credit-report) ## [ON KTHV: COMMON PITFALL FOR 1ST TIME HOME BUYERS](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-common-1st-time-homebuyer-pitfalls) Posted by [Scott McElmurry](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry) on Jun 15, 2016 1:32:44 PM - [Tweet](https://twitter.com/share) [![](https://blog.blrmortgage.com/hubfs/images/Scott_and_Laura_june2016.jpg) ](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-common-1st-time-homebuyer-pitfalls) [Read More **](https://blog.blrmortgage.com/mortgage-newblog/on-kthv-common-1st-time-homebuyer-pitfalls) Topics: [mortgage](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage) [first-time home buyer](https://blog.blrmortgage.com/mortgage-newblog/topic/first-time-home-buyer) [Previous](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry/page/1) [All posts](https://blog.blrmortgage.com/mortgage-newblog/all) [Next](https://blog.blrmortgage.com/mortgage-newblog/author/scott-mcelmurry/page/3) ### Subscribe to Email ### Recent Posts ### Posts by Topic - [Mortgage Loans (99)](https://blog.blrmortgage.com/mortgage-newblog/topic/mortgage-loans) - [On Time Closing (90)](https://blog.blrmortgage.com/mortgage-newblog/topic/on-time-closing) - [home ownership (57)](https://blog.blrmortgage.com/mortgage-newblog/topic/home-ownership) - 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