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News and Updates
Pre-Approved vs. Pre-Qualified
We've all heard them; the horror stories of people having the worst time getting to the closing table. The lender kept...
Yes, you need a Realtor!
It seems like everything is getting automated these days. With all of the technology out there, pretty much anything you want...
Say NO to credit repair companies!
In working with clients for over 15 years, the one thing I see all too often is people having to wait longer than necessary to finance a home.
What types of credit are there?
There's nothing more frustrating than wanting to buy a home and finding out your credit isn't where it needs to be. Comments such as...
Are FHA loans a good choice?
When you apply for a home loan, your loan officer will review your loan file to see if you qualify. Depending on your scenario...
What documents and steps are required for a mortgage?
Deciding to buy your first home is a big decision. There's a lot of moving parts to a home purchase...
What are underwriting red flags?
If you're thinking of getting a home loan, it would be a good idea to consult with a licensed...
Bad credit vs. Low Credit Score
I was interviewing a client the other day, and in the course of our discussion, she told me...
Down payment assistance short-falls
It seems like everyone is talking about Down Payment Assistance programs right now. With all the hype...
Renovate with your Home Equity Line of Credit
If you've been searching for a new home, I'm sure you were surprised to find how much...
What type of mortgage lender should you choose?
When you're ready to buy or refinance your home, you'll need to decide on what type of lender to chose...
How to Reverse a Loan Denial
It is one week before closing. Without warning or any heads up from your lender, you receive the news...
Should you shop lenders for the best interest rate?
In keeping with this, if you’re going to shop lenders and interest rates, you need to know what to look out for and how to do it the right way...
What factors determine my interest rate?
That question is a great one. There’s a lot of misconceptions on how one’s interest rate is determined...
Seven VA Home Loan Tips
A lot of people are under the assumption that VA loans are challenging to process and close. That assumption could not ...
Five Benefits of VA Home Loans
I've written before about the benefits of a VA home loan regarding how easy the program is to work with...
How to win the battle against collection agents
Ten years ago my special needs daughter passed away. The medical bills were staggering, and I ended up getting a crash course...
How to build your credit the right way
Whether it's building credit for the first time, or, repairing it after a significant adverse event it's critical to know how to do it the right way...
Loan Approval vs. True Affordability
Shopping for a home is exciting, and is a very emotional experience. You find your dream home; you are pre-approved, love the monthly payment and are ...
What Matters in a Refinance?
When counseling my clients on refinances, the objection I hear most often is regarding their current rate...
Four Easy Ways to Save for a Down Payment
Most often first-time homebuyers use down payment assistance programs thinking that they need 20% down...