Thanksgiving Survival Guide

Justin Scott - Loan Officer 878581

The holidays are a mix of emotion, much like buying a house, you’re looking forward to the traditional family gathering, but loathing the endless preparation it takes to executive such a feat.  You’re hoping travel plans go accordingly, and there are no significant “blow ups” when your mother and uncle reunite for the first time… [Read More]

Locking Your Rate While You Shop For A Home

Justin Scott - Loan Officer 878581

Locking your mortgage rate has traditionally been done after you get an accepted offer.  Which means you likely have gone through the pre approval process, you’ve discovered what your payments will be, how much you qualify for and all the Mortgage details.  But what if you have been looking at homes for 6 months?  With… [Read More]

10 Ways To Save On Heating This Winter

Justin Scott - Loan Officer 878581

Heating your home can be one of the higher expenses families in Wisconsin face, and if you don’t qualify for energy assistance or you don’t live in an energy efficient property, it can be rough.  Here are 10 ways you can save on your winter heating bill:   1. Use the sun for free heat. That… [Read More]

What to Expect With Your Home Appraisal

Justin Scott - Loan Officer 878581

Because it determines what the house is worth and if you can proceed with the home loan, it tends to cause a significant amount of worry to my clients.  Regardless there always questions associated with your appraisal and please read on in an effort to clarify some of them:   What Is a Home Appraisal?… [Read More]

How Many Years Do You Want Your Mortgage To Be?

Justin Scott - Loan Officer 878581

Did you know mortgages do not necessarily come in the standard 10, 15, 20 and 30 year terms anymore?  As business evolves so don’t the products and the way they’re structured.   It used to be you could apply for a 20 year mortgage if you didn’t want the higher payment of a 15 year,… [Read More]

How Your Mortgage Rate Is Decided

Justin Scott - Loan Officer 878581

Every day mortgage rates change, sometimes by a little, sometimes by a lot, they are determined by a government agency known as the federal reserve, they meet several times a year and you can view their schedule here.   This is the entity that gauges how much money will cost to the larger banks and… [Read More]

Your Second Chance For a Mortgage After a Foreclosure

Justin Scott - Loan Officer 878581

Foreclosure can be one of the most traumatic experiences of someone’s life, regardless of the reason it has a serious consequence on your credit.  Most people think that their life as a homeowner is over at this point, but the truth is quite the opposite.  They’re actually reducing the time it takes to get into… [Read More]

Life After Bankruptcy

Justin Scott - Loan Officer 878581

THERE IS LIFE AFTER BANKRUPTCY Part of the anxiety for anyone filing bankruptcy is the concern about his or her financial future post-bankruptcy. However, by taking proper and pro-active steps you can put yourself on the road to financial recovery and an ever-improving credit score. A Chapter 7 or Chapter 13 bankruptcy filing is not… [Read More]