One thing I find myself explaining to many first time home buyers is their mortgage payment, not only how much it is but what it consists of.  So I put this together in an effort to  explain the 3-4 components of every mortgage payment. Principle and Interest (P&I) This is the portion of your mortgage…

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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…

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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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