This is a question I ask almost every client.  “Why are you buying a home?”.  I feel it’s a good question to gauge peoples reasoning for making this move.  Many understand the concepts of equity and you tend to get more square footage for your money with a home, some want to grow their family…

Read More

      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…

Read More

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…

Read More

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

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

So now you’ve found a home, the search is over.  The anxiety, fear, anticipation and frustration have all come to an end.  Right?  Actually it’s just beginning.  There are a world of new feelings associated with buying a house and I want you to know that’s completely normal.   I’ve included this brief video for…

Read More

What is Private Mortgage Insurance? Private Mortgage insurance, or PMI, is insurance built into your monthly payment that protects the lender against the risk of default.  Default is when you do not pay your monthly payment.  It may seem like a scam, but it’s a necessary entity to allow buyers to purchase homes with little…

Read More