Your Score is too Low for $0 down financing. This is only true coming from misinformed loan officers that don’t study their industry.  If they don’t know how to structure the loan or what loan program to use, your score is too low! (At least for them to get you approved.) If it cost the [...]

Seriously, I’m a mortgage broker and I often find myself contemplating this very question. Why use me? Why would a client need to choose me? Not just me, but any broker. As I’ve pondered this question countless times I feel like I finally have a few good answers. Now keep in mind that one obvious reason [...]

Well for starters, I can tell you what they don’t have in common. Birds are not at  the  whim of the economy necessarily while rates don’t have feathers and wings. Now for what they do have in common.  Right now, birds of all kinds have started migrating from their winter havens and are heading back north [...]

As most people in this country already know, rates have been hovering at or  near all time historic lows for the past 18 months. This flood of low rates is akin to another kind of flood, the once every hundred years, wipe out the family farm kind of flood. Similar because just as quickly as [...]

As the Real Estate and financial markets continue to move up and down, mortgage rates can also be affected. Since mortgage rates are more closely tied to the bond markets, an up or down move in the stock market may not have the result in mortgage rates that one might expects. In fact, many times [...]