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…

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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…

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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…

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(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…

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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…

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