Understanding Your Mortgage Payment: Principal, Interest, Taxes, and Insurance
Have you heard the acronym PITI and aren’t sure you understand what it means? When you’re looking at your projected mortgage expenses as you prepare to buy a home, the monthly mortgage payment you make will include the principal, interest, taxes, and...
Surprising Things That Can Lower Your Credit Score, Even If They’re Good Financial Moves
Your credit score makes all the difference in your ability to buy a home and the terms you will get on your mortgage. While the credit score is designed to put a measurable quantity on your ability to manage debt, it doesn’t give the full picture of your...
Should I Choose a 15 or 30 Year Mortgage?
We believe in giving our clients options for their mortgages. Whether you need a bank statement loan, a VA loan, a conventional loan, or a creative solution for your investment goals, we love to be the source of our clients’ financing solution. One of the...
11 Reasons You Should List Your Home During the Holidays
Are you planning to list your home for sale soon? Some homeowners figure they should wait until spring, the season that is conventionally considered a smart time to sell. However, if you’re thinking about selling your home, you don’t actually need to wait until...
What is the Difference Between Pre-Qualification and Pre-Approval (& Which Do I Need?)
As you step into the mortgage lending world, there are many terms that can be confused with one another and even sound synonymous. Pre-qualification and pre-approval are a perfect example of this. Many people make the mistake of using the two interchangeably, but they...
Three Honest Mistakes That Can Impact Your Ability to Close on a Mortgage
After getting pre-approved for a mortgage, it’s common for borrowers to breathe a sigh of relief and feel as though they’ve arrived. While pre-approval is an important milestone that should give you confidence in your ability to move forward with the...
Why Savvy Real Estate Investors are Turning to Non-QM Mortgages
Non-QM mortgages have become a popular solution for savvy real estate investors looking for flexible in required documents, closing dates, or loan terms. The more you learn more a non-QM loan, the easier it is to see why these have become a top choice for experience...
Watch Out for These Myths About Non-QM Loans
Non-QM Loans can be a brilliant solution for borrowers who are not a good fit for a typical mortgage, but there are some common myths about non-QM loans that sometimes stand in the way of making a confident and informed decision. If you’re considering applying...
Understanding What Happens with Loan Approval During Escrow
If you’re preparing to buy a home, understanding the financing process of loan approvals is key to being able to make an offer with confidence. We know that getting a mortgage can be daunting, as it is a unique financing process that may feel confusing or...
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.