There are standard costs when purchasing a home that each buyer is expected to pay prior to receiving the keys.  With a little research you can realize which of these costs are optional and which are required.  It’s important to know the timeline and what is expected prior to engaging in a home purchase, the…

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So you’ve made the decision to buy a home, you’re excited and picturing tile floors, kitchen islands with cook tops in them, maple cabinets, fenced in yards and 3 stall garages.  The perfect dream home, you’ve done some research and figured the houses you want are in a particular price range; you’ve saved a good…

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One of the more unusual parts of a mortgage application is that lenders ask questions about large deposits into clients bank accounts.  This is usually a frustrating obstacle for buyers because they cannot understand why the lender would care about these deposits as long as the buyer has money for closing. I wrote this article to help…

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Change is the only thing that remains constant, in our daily lives and especially in the mortgage world.  2019 has brought several new changes already (and we’re only in the first two months of 2019!)  These changes apply towards VA Loans.  I’m sure this will be an ongoing learning experience for everyone, including lenders, it appears…

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2019 FOMC Meetings January 29-30 March 19-20* April/May 30-1 June 18-19* July 30-31 September 17-18* October 29-30 December 10-11* 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…

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Saving can be difficult and it can be overwhelming.  When there are so many demands for your hard earned cash everyday, whether it be children, rent or maybe the car broke.  It’s easy to spend your money but very hard to save it. This can be why so many Americans are having to put home…

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Title insurance is a part of every mortgage loan, but often times clients may not know what it is.  Considering they are paying for it on their home purchase and any refinance , I thought it would be important to outline what your money is getting you: What Your Money Buys You Every time a…

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There are so many factors to take into consideration when buying a home, price, size, location, amenities, even the yard plays into your decision.  Because you’re spending a larger amount of money than you are usually accustomed too, it can influence your decision even further. It’s important to keep in mind the things you CAN…

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You’ve probably heard the term “trade line” before, but maybe you’re not sure what it is?  A trade line is a debt you owe on your credit report.  Each individual creditor or lender you owe (I.E Capital One, Mortgage , Auto Loan) are individual trade lines.  Each of these trade lines are monitored by the…

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Probably one of the last things you want to focus on when you are in the midst of a divorce is a mortgage refinance.  But often times it’s necessary because the assets are going to be divided.  One person will either keep the home, or it will be sold.  More often than not one person…

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