Fed Drops Rates… Time to Refinance or Buy???
After 30 months and 11 straight increases in the Federal Funds Rate without a drop, the Fed FINALLY shifted gears and dropped their rate. What the media will lead you to believe is that all rates are automatically dropping by 0.50% including mortgage rates… which is NOT the case. Let’s explain… The Federal Funds Rate…
Read MoreBattling Annoying Spam Calls from Trigger Leads!
The hot topic in the mortgage market over the past couple years has clearly been the drastic increase in rates. This dramatically slowed down business on purchases and refinances which lead to another pressing issue… trigger leads! When a lender pulls somebody’s credit for a mortgage, the credit bureaus sell these trigger leads to dozens…
Read More“I know a guy, who knows a guy… blah blah blah… mortgage rates!”
I laugh and cry when a conversation starts off with these words from a client, friend or anyone discussing mortgage rates. I laugh because I know where the conversation is heading and know the truth that I’m going to have to unravel for them… and I cry because I know where the conversation is heading…
Read MoreBuy More Home with a Low Down Payment!
It’s official! All major agencies have announced loan limit increases in most counties for 2019. What does that mean for you? Basically you are able to purchase or refinance a more expensive home with a higher loan amount using a traditional loan program; conventional, FHA or VA mortgage. In most counties in 2018, you were limited…
Read MoreBest Days of the Year to Buy a Home
Interesting article I thought I would share before the holiday madness begins. It mentions the best days to buy a home. I wish you and your loved ones a happy holiday season and blessed new year! “Homebuyers thinking of spending big on Black Friday and Cyber Monday may want to hold back for a larger…
Read MoreImprove Your Odds of Getting a Home with a Mortgage Pre-Approval
Buying a home is one of the biggest financial transactions people experience in their lives, so it’s no wonder financing is one of the biggest challenges buyers face when shopping for a new home. Even though the finance part of home buying can be stressful, the good news is there are steps you can take to…
Read MoreOnline Mortgage vs. Human Experience in a Digital World
A lot of energy and resources have been focused on online resources and the “digital mortgage” experience in recent years. Even Amazon recently announced their potential involvement in online mortgage lending too. Sure, getting a mortgage online can be quicker, less hassle, and possibly combined with lower rates and incentives. But those advantages may come…
Read MoreConcerned About Another Market Crash?
(This one is a little long, but I need to address this.) I speak to clients, friends, family, and other current or potential homeowners and people that work in the real estate or mortgage industry on a daily basis. It’s inevitable that the thoughts of the 2008 recession and market crash are in the back of almost…
Read MoreThe Mortgage Industry is like many Businesses
In this article I want to clarify and simplify the basics of this mortgage industry for you, our clients. Since we are not a typical ‘brick-and-mortar’ business such as a retail store or restaurant, many people assume our business model is completely different. Well it is in many aspects, but like your neighborhood shop or…
Read MoreWelcome to Our Website
First off; thank you for visiting my website. I put off creating a personal website for the first 15 years of my career because 1) my 2 year old is more tech-savvy than I am, and 2) I just never had the time to research and figure out how to do it… but I finally…
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