for when it’s right to refinance, it’s more a matter of making sense.  If you’re reading this you may be considering refinancing your mortgage for one of these reasons, or maybe a different one.  Let’s take some time to go through some scenarios to see if they apply to you.   When Does It Make…

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      Getting pre-approved for a home is a big deal, at this time you may have a mix of emotions you have never experienced before.  I’ve put this timeline together to assist you in knowing what to expect.  The ultimate rule is call me if you need clarification on anything. me anytime with…

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Debt consolidation is a hot topic this time of year, likely because of rising interest rates and increasing costs.  People are spending more than ever and then find themselves in a position where the monthly expenditure is more than they feel comfortable with.  It can happen to anyone and it can happen quickly.  So I…

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WHEDA has been a great resource for first time and non-first time home buyers alike.  For many reasons this loan has become popular, probably due to it’s low rates and ability to avoid the down payment.  Some people prefer it because there is a no mortgage insurance option even with zero down payment.   Whatever…

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WHEDA has yet another benefit aside from it’s low rates and no down payment.  The Mortgage Credit Certification program.  This is a program that allows first time home buyers to save additional money on their taxes.   How It Works Let’s assume you buy a $150,000 home at 5% interest.  That annual interest per year…

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Hello, Earlier there was an article about the Loan Estimate Process, it explained the steps necessary to complete the beginning of your loan process.  But what about the end?  This article is intended to assist you with understanding the closing disclosure and the process associated with it.  I hope you find it helpful. Step 1:…

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What is TRID? Let’s break it down into real language What does TRID stand for?  TRID is the TILA / RESPA Integrated Disclosure Rule.  Only in the mortgage world would we make an acronym out of acronyms… so let’s break this down a little further.  TILA is the Truth in Lending Act and RESPA is…

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I’ve written a lot about debt consolidation in the last several weeks because it’s a topic on a lot of peoples minds.  Some are hesitant to proceed because there is so much negative press around these loans.  To be fair there are many predatory companies ready to take your money and offer you nothing, to…

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Debt consolidation seems to be a hot topic as of late, with the federal reserve raising the cost of money some people can be feeling the pinch.  Increased rates means higher credit card interest rates, personal loans rates, mortgage and car rates.  It also could mean inflation, which is the cost of everything growing in…

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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…

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