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…

Read More

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…

Read More

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…

Read More

Applying for Your First Mortgage: What to Expect

If you’ve never been through a mortgage application process, or maybe it’s been a long while, you may be approaching it with some trepidation. The very idea of a stranger digging through details of your life history and finances can feel a bit invasive. While the process (and hence, your experience) will vary greatly depending…

Read More

Cash is NOT King!

The old adage “Cash is king!” may be true in some scenarios, but it doesn’t apply when buying a home. If you’re planning to get a mortgage you cannot use actual cash money for any of the down payment or closing costs. All funds used in your mortgage transaction need to be “source-able”; In other…

Read More

Is OptOutPreScreen Legit?

Short answer: YES! OptOutPrescreen.com is 100% legit. Long answer: You’ve done our due diligence on choosing a mortgage loan officer, and now it’s time to complete your application. Within 24 hours of doing so, you find yourself bei ng inundated with phone calls and text messages from sales staff with other mortgage companies. Did the…

Read More