Associates is a conforming and non-conforming mortgage brokerage firm, specializing in best way to lend money alternative lending resources and flexible underwriting guidelines. Associates was created to help those individuals to obtain mortgage financing who had struggled with problems such as bankruptcy, foreclosure, and loss of income due to circumstance beyond their control. What’s a loan-to-value ratio? Or mortgage insurance? Find out. We recommendthat you get a mortgage payment thatrsquo;sno more than 25% of your take-home pay.With a mortgage you can afford, yoursquo;ll have less stress and more room in your budget as you work the Baby Steps. There are othergood reasons to refinance, too. For example, ARM borrowers may want to refinance into a fixed-rate loan. Or an FHA borrower could refinance into a conventional loan to remove mortgage insurance payments.