What does a mortgage application consist of?

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Your very first step before you even begin to look at homes is a loan application. A loan application can take a matter of minutes! The application helps determine your budget, loan program, as well as other important information crucial to your home buying process. Click the “Apply Now” button at the top of the… [Read More]

2018 Recap/2019 outlook

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2018 was quite the year! We’ve seen interest rates volatile and home prices increase, causing affordability to be one of the biggest hurdles in home buying. There have also been fantastic changes to student loan calculations, as well as increased loan limits for different programs. Interest rate forecaster’s predict may hold around where they currently… [Read More]

MAJOR change to Student Loan calculations!!

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Student Loan debt is hands down the #1 reason first time home buyers are holding off. Fortunately, there have been MAJOR changes by Freddie Mac in regards to this pain point. Check out this month’s video for additional helpful information!

What are Escrows??

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An Escrow account is an interest free account that collects your homeowner’s insurance and property taxes through you monthly payment. When the time comes that these particular bills come due, your Escrow account pays them on your behalf. In some instances you may elect to waive escrows, but can depend on the loan program as… [Read More]

What is your first step in buying a home?

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Most people assume you need to find a Real Estate agent before anything else in the home buying experience. Actually, you need to speak with a trusted local lender. If you haven’t spoken to a lender, how do you know how much home you can afford? How do you know which loan program is best… [Read More]

How Millennial’s are impacting the housing market

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Why is the rate of Millennial home ownership so low? A few variables are delayed child bearing, delayed marriage, and student loan debt. Check out my video for additional information on this topic, with information provided by housingwire.com

Shopping for a mortgage

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Shopping for a mortgage is the responsible thing to do. Why wouldn’t you make sure you’re getting the best deal possible? This may not necessarily mean the lowest rate. Everyone’s situation is different…a person who does not plan on living in the home long term, may be better off focusing on their costs.

Variables impacting mortgages NOW

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There are a number of variables that impact Real Estate at different times. Currently, three variables impacting the housing market are rising rates, affordability, and generational change. For additional information, please click the thumbnail.  

The 5 P’s

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Peak home buying season is already under way, but are you ready? As your Real Estate Agents will tell you, the market is extremely competitive and it is certainly a seller’s market. They literally cannot build homes fast enough to meet the demand. So what are you doing to make your offer stand out? Are… [Read More]

Home Prices & Rates On The Rise

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Home prices are continuing to rise and so are interest rates. What does this mean for you? Not only is the home you liked a year ago more expensive, but the money financed for your mortgage has also become more expensive. If you have given any serious thought to buying a home in the near… [Read More]