There has been a lot of movement in the market over the last week, we saw rates drop lower in a single week then we saw them in almost 10 years.  There is a lot of speculation why such a drop may have occurred, but many believe it has to do with the federal reserve…

Read More

You may have heard of the mini refinance boom we are experiencing right now.  With home values increasing and mortgage rates declining we are in a perfect storm for homeowners to save a large sum of money.  We’ve seen rates dropping as much as 1 full percentage point for someone who closed 8 months ago.…

Read More

With the market sustaining a healthy 10-20% increase in home values from 2016 until now, it opens up some unique doors for homeowners who bought in the 2014-2016 market.  If you were lucky enough to buy then you have a house and mortgage rate secured before the inevitable rise. This puts you in a good…

Read More

The decision to buy a home isn’t one to be made lightly.  It’s a culmination of months (if not years) of thought and preparation, mentally asking yourself if this is an undertaking you are ready and willing to proceed with.  By the time you have come to the conclusion it’s the right time to buy…

Read More

Deciding to purchase your first home is a big decision, one you are not taking lightly.  Most people approach this milestone with caution because they know the responsibility of home ownership.  Sometimes that caution can overshadow reason, the result can be a lack of action that is costly and frustrating.  So I put together this…

Read More

Now that you’ve purchased a house, settled in and made it a “home”, you realize you’re not in a 30 year program.  That 30 year program brings interest, so how do you cut down on that massive debt?  Here are several ways you can pay your mortgage down faster without feeling like you’re pinching pennies.…

Read More

What Can I Do Now? You can Sign up for mortgage rates here Read the About me section and learn more about how I conduct business reviews are a great way to see who you are dealing with if all that checks out you can apply here Justin Scott Loan Officer NMLS 878581 C) 920-530-4484 O) 920-490-8823 F) 920-490-8967 Executive…

Read More

Another post about low mortgage rates?  I’ll keep it short.  It’s no secret rates are low, when the national average for a 30 year fixed rate mortgages averaged out in early February at 4.35%.  compared to the national average of 4.54% in 2018.   If you want a history of mortgage rates and where they have…

Read More

Below is the prime rate per month from January 1972 – January 2019 Date (Month) 15 Year FRM (%) 30 Year FRM (%) January of 1972 7.44 February of 1972 7.32 March of 1972 7.29 April of 1972 7.29 May of 1972 7.37 June of 1972 7.37 July of 1972 7.4 August of 1972 7.4…

Read More

If you’re reading this most likely you are considering buying a home, and because you are here you have done a considerable amount of online research into basic loan requirements.  Good for you, because most home searches start online and it can be difficult to find the proper information, nothing beats talking to a  Qualified loan…

Read More