When 30 year fixed mortgage rates dropped into the 3’s in 2012 people went crazy, never had they the cost of money so low.  Then in 2020 when they dropped into the 2’s, it created a boom. Home values are at an all time high due to increased demand and a limited inventory.  Sellers have…

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Child playing in water

Buying a home is a big deal, an often times people will buy or refinance several times in their life.  There are a lot of ways to get a mortgage these days as well.  This presents the question for many borrowers, “how do I know I have the right lender? The answer is different for…

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September 17th-18th will be the 6th Federal Reserve meeting to discuss the financial capability of our country and the price of money.  These decisions directly influence our interest rates.  It has been a well known fact that over the last two years the Federal Reserve has been getting pressure from the President to cut interest…

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In this market one of the best ways to get your offer accepted is to close quicker than the next person.  That means the standard 45 day closings are being pushed to 30 days or less.  If you are able to tell the lender we can close sooner, they are likely to accept your offer,…

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2018 was a year full of discouraged home buyers, the market soared with low interest rates and the influx of younger, first time home buyers; resulting in home prices rising and inventory decreasing faster than it could be replenished.  If you were able to buy a home in 2018 consider yourself fortunate.  Those that have…

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There has been quite a bit of talk about the Federal Reserve cutting rates again.  With the last decade being substantially lower than they have been for many years, some are wondering why the rate cut?  When you dig into it a little more you can see the strategy behind it. We are experiencing an…

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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…

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The Federal Reserve just conducted their 4th meeting of 2019.  These meetings discuss the direction of our financial policy and directly influence mortgage rates.  Over the last few years the reserve has kept rates low with a few rises here and there.  The goal has been to maintain the economy in the steadiest way possible. …

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If you’ve spent any time looking at homes in the last two years you realize what kind of market we are in.  Houses are going faster than Jimmy Johns delivery and the offers are becoming hard to beat.  If you’ve had luck getting the home you want in this market congratulations, you probably spent a…

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If you haven’t noticed it’s been pretty crazy in the real estate world over the last 2 years.  Home prices are rising, interest rates are bouncing around, and buyers are getting frustrated.  The overwhelming feeling that buying a home in an impossible feat because it’s just too competitive.  But what if you had some data…

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