Selling Your Home: Tips for Dog Owners

As a mortgage lender with real estate experience, who also has a passion for dog behavior and training, who better than the MORTGAGE DOGS to give you some quick tips on buying and selling real estate when you have dogs? The goal of this post is to arm you with two kinds of knowledge: What…

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Mortgage Rate Roller Coaster

What’s going on with mortgage rates?!? The past year has been an emotional roller coaster of rate drop promises, for those trying to afford to buy a home, as well as those of us who make a living in the mortgage and real estate industries. 2024 was off to a good start, with a lot…

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The NAR Settlement: Potential Impact for Homebuyers and Sellers

Chances are you’ve heard the news about the NAR Settlement. It’s sent ripples through the real estate industry and you’d be hard-pressed to avoid the latest “hot take” in the media or the socials. I’m not here to rehash details of the lawsuit, but let’s think about how this might impact homebuyers and sellers if…

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Mortgage-Related Income Tax Deductions

don't miss out on these tax deductions!

If you made a home purchase in the last year, odds are you paid some little bit of something in discount points. Or maybe you weren’t confident rates would drop or didn’t want to worry about refinancing anytime soon, so you paid more. Discount points and prepaid interest are both tax-deductible items that will NOT…

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Seller Concession vs Price Reduction

Oftentimes a seller concession can be a bigger benefit than a price reduction in your new home purchase. While it sounds great to pay less for your new home, making an at-list offer and requesting a seller concession may actually save you a lot more in the long run! Here are the various ways a…

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Mortgage Rates Are Falling!

Mortgage rates are finally coming down, and after two lean years, lenders are coming out of the woodwork to show you how low your interest rate can be with a refinance. Before you get too excited, make sure you are taking a very close look at those closing costs! Things are not always as straight-forward…

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Tracking Down the BEST Realtor for YOU!

Yes, you need a realtor! A professional realtor is so much more than someone who shows you houses – they are acting as your representation in what will likely be the largest financial investment of your life. As a mortgage lender, I cringe when one of my clients says they don’t need a realtor (or…

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How Long Should I Wait to Refinance My Mortgage?

Let’s do some refinance math! When the cost of refinancing is recovered in less time than you plan to retain the home, it makes financial sense to refinance. How do you know when your property value has increased enough to avoid mortgage insurance? That is where your realtor comes in! They are your best resource…

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Student Loan Debt: My Story

Time for some real talk. Some personal sharing. In 2008, I went into graduate studies with very little debt, a teaching assistantship, and grand visions of academia. As sometimes happens, things did not go as planned, and I ended up with a ridiculous amount of student loan debt after two years of my master’s program.…

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