Once you've applied for any type of financing - it is not "if" but "when " you will receive an offer of credit (to borrow money or to buy something) - This will typically come from other mortgage companies, insurance agents, credit card companies and car dealers with ads [...]

Whether it's your first time or your fifth, everybody knows buying a home is a big project. Our Free Consumer Report gives you a clear view of all the steps involved - in plain language, no jargon (...) View and download the FREE report here! CLICK HERE. [...]

Every month you pay rent on a home that will never be yours. It's like dumping money down the drain. You would rather be making a mortgage payment each month, if only you could save up for a down payment. With down payment assistance programs, you may not have [...]

You may have heard - a few days ago, the federal reserve announced a rate cut. Here’s what that means... Fed cutting rates are a short term overnight bank to bank lending rate which DOES NOT have a direct impact on mortgages. This cut will lower rates on credit cards, [...]

Do you worry about how you will retire at an age that isn’t 90? Most people with an average income do. You may not have huge savings or 401K. Many don’t. However, today’s homeowners are using a reverse mortgage to plan a secure retirement.    What is a reverse mortgage? [...]

A few years ago, I was talking to a client (Let’s call her Mary) whose home I had financed. We were just catching up with each other and she mentioned she was thinking about buying a new car. I offered to help her look at her finances before she made [...]

Most physician’s situations just don’t fit into the normal guidelines. With a physician loan, all the challenges can be detrimental if not handled correctly.  Most loan officers have only had experience with any of these types of challenges and unique situations once in a while and your loan might be [...]

Conventional loans are among the most popular of all the loan options. For those that have good credit, income and down payment, applying for this loan is fast and easy.  Two Types of Conventional Loans There are two types of conventional loans: Conforming and Non-Conforming.  Conforming To qualify for [...]

VA loans are a great option if you’re Active Duty Military or a Veteran looking to purchase your dream home, pay off debts on your current home, make improvements, or just reduce your monthly payments and lower your interest rates. Who Qualifies For a VA Loan? There are a [...]

The United States Department of Agriculture was started with the intention to govern the production of food and assure a safe and sanitary environment to prevent the general population from getting sick. Now, the USDA monitors all aspects of food safety from the cattle on the farm to the development [...]