Mortgage Rate Prediction 2019-2020

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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. … [Read More]

How to make your offer STAND OUT to a seller

OTP

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… [Read More]

Real Estate Trends That Help Buyers and Sellers

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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… [Read More]

Why People Buy Homes

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Why are you buying? This should be the first question you ask yourself before getting pre-qualified or doing any research.  What are the reasons you want a home?  There is no right answer to this question, everyone has their own reasons for wanting to get their “piece of the pie”.  In the end it’s important to understand… [Read More]

Best Time For First Time Home Buyers

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The 1980’s brought extraordinarily high interest rates in the double digits, the 90’s brought them down a little and we experienced a refinance boom.  As the 2000’s approached we saw Washington deregulating the mortgage industry in an effort to pull us out of the nosedive our economy was facing with the DOTCOM bubble.  The downside… [Read More]

Mortgage Brokers are Taking Back The Market

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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%… [Read More]