Pros and Cons to the 15-Year Mortgage
Whether you are considering a 15-year mortgage as a first-time loan or as a refinance, there are pros and cons to the setup. Let’s first talk about a brand-new mortgage. Let’s say you are considering a $300,000 loan and a 30-year mortgage. This loan will...
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...Buying Your First House After 60
It doesn’t happen often that there are circumstances that make it impossible for people to buy a home before 50 or 60 years old. Perhaps they’ve been in the military and have relocated most of their life or they have preferred to rent, letting someone else take care...100% Paper-Free Mortgage Applications?
Getting approved for a mortgage could get a whole lot easier! If you’ve ever financed a car you know how much paperwork there is, well, buying a house means quadruple that paperwork. There literally is a paper to sign stating that you’ve signed the...Should I Go With the Builders Lender?
I’ve worked with several buyers over the years who after talking with the lender on-site at a new development have decided to go with the builder’s lender rather than myself. You can imagine how frustrating that can be, but, that goes with anything. In any...
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...Is the HERO Program a Good Idea?
The HERO Program is a Property Assessed Clean Energy Program provided by the Federal Government to provide financing for energy-efficient, water efficient, and renewable energy products to home and businesses in approved communities, specifically in California. This...5 Ways to Tell if a Loan Officer is Ripping You Off
It doesn’t matter what industry you are in, chances are there are scammers in just about every profession. And it’s only getting worse. We really need to keep our feelers up when it comes to scams, hackers, and those just trying to get your money or your...How Can I Raise My Credit Score Quickly?
If you search for quick fix credit repair on the Internet you’re likely to get thousands of responses but surprisingly, it’s not that quick to actually do the job. I get this question a lot and that’s not surprising at all because most people want to...
Welcome to my Blog!
Here you’ll find tips, updates on mortgage laws and changes that can affect your loan or approval. Check back often for more great ideas.