Bank Statements are the New Stated Income Loan

Bank Statements are the New Stated Income Loan

Back in 2007 and 2008 during the subprime mortgage bust, stated income mortgages were a thing, but they tended to get people into a lot of trouble and made it possible to buy homes they really couldn't afford. But, with a little bit of finesse, revising, and a lot of...

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Can I Still Buy a House with Low Income?

Can I Still Buy a House with Low Income?

I love, LOVE talking to people wanting to buy a house, and especially for the first time. I love problem-solving and figuring out solutions that will really work for my clients, and not just immediate but for the future too.  I want all my clients, whether they are...

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What You Need to Be Ready for Your Home Loan Application

What You Need to Be Ready for Your Home Loan Application

How to Prepare for a Home Loan Application Planning for home ownership is just as important as homeownership itself. Being prepared from the beginning can put you in a better place overall not only now but in the future. Nobody wants to purchase a home only to be...

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Should I Buy a House or a Condo?

The decision to buy either a house or condominium comes down to personal preference and the type of house you want to maintain. Condos can be easier on the maintenance but higher on the homeowner association dues because of that lack of maintenance. However, both have...

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How Will the Government Shut Down Affect Mortgages?

How Will the Government Shut Down Affect Mortgages?

Here we are several days into a government shutdown and many people are wondering what impact that will have on real estate, the housing market, and the mortgage process. For many people, dealing with the government shutdown interrupts our life in several ways and can...

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What Happens if the Appraisal Comes in Too Low?

What Happens if the Appraisal Comes in Too Low?

You've chosen to buy a house or maybe you're refinancing and everything's going along great. The inspection has passed, things look like they're moving forward, and then you get the appraisal back. Oh no! The appraisal came in lower than expected. Now, what do you do?...

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