One of the most common issues I’ve heard clients say when they’re shopping for a home is: “The mortgage part of this is so overwhelming, I just want to know I’m getting the best deal” It’s a fair concern to have when you’re spending a large sum of money and you don’t understand the process…

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We are on the upswing of the longest government shutdown in our history, as we all know it’s caused some newsworthy articles; but more importantly it’s influenced the our lives in ways we haven’t noticed yet.  4 days ago there was a temporary bill passed by President Trump that will allow out of work employees…

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Home sales are a fluctuating thing and the details cannot always be calculated simply by the number of sales in a given time.  People are often concerned with their bottom line, and a decrease in home sales often means a decrease in the bottom line right? not necessarily: Number of Home Sales      …

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We are on day 25 of the government shutdown, on January 12th it became the longest hiatus in U.S History, surpassing the previous shutdown of 16 days.  While over 800,000 employees are experiencing the effects and some states like Alaska who are getting the brunt of it.  While you may not be a government employee…

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Back in November 2018 I wrote an article called What is a true mortgage broker?. It outlined the differences between the big banks and the independent companies like mine who can provide a mortgage for you.  Unfortunately, most people still think of their bank when getting a home, and that’s why mortgage brokers only have about 20%…

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If you’re reading this you may be a first-time buyer, and you probably have scoured the internet for information about what to expect.  The majority of my business in the last two years have been first time home buyers, and I’ve come to understand some of the major problems they face, what their concerns are…

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With the Federal reserve’s final meeting Today it is predicted interest rates will be raised.  Currently at 2.25% prime rate.  If they continue the same pattern, we can expect a .25% rise.  This means we could experience several adjustments from  mortgage rates to inflation.  The reason the federal reserve is likely to raise rates is due to the increase…

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  I spent some time putting this “survival guide” together for buyers with questions, in my career I understand the mix of emotions that a client incurs when making such a big decision.  I want my buyers to know I am always available for a phone call or email, but if you feel the need…

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If you’ve ever bought a house you probably understand the  level of documentation and questioning you may incur, odd questions that you may feel have no importance in the grand scheme.  Sometimes this is true and sometimes these questions are based in a world that has a reason for them, but on the other side…

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Your job has a huge influence on your Mortgage pre-approval.  Several different things have to be taken into consideration in order to get effectively approve your income.   The waters can be muddied even further when you include things like job transfers, bonuses, overtime and commissions.  I put this brief guide together in an effort to…

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