I had a client the other day who received an advertisement in the mail that looked like it came from my office, but it turned out that it was marketing material from an out of state company!   I am very glad our client called us about it. The question [...]

It can be really confusing seeing all the advertisement on refinancing, and perhaps many people wonder if it would make sense.  A lot of people have low mortgage rates, however, refinancing is not just about lowering your mortgage rate. Refinancing to plan ahead for your next home, or to [...]

Harold Evensky, Professor- Texas Tech University  Monte Carlo Studies - Reverse Mortgage - Survivability  It has come to my attention that a lot of financial planners missed the ground-breaking study regarding reverse mortgages that was published in the Journal of Financial Planning a few years ago.   The study [...]

You’re probably looking into buying a home, if not you wouldn’t be here! It can be pretty overwhelming trying to navigate through all of your options. Not every loan works for every person, so here are five common loans for you to get an idea of what might work [...]

If you’re unsure whether or not refinancing would make sense for you to do, keep reading. Many people think that refinancing isn’t necessary since they already have low mortgage rates; however, refinancing is not just about lowering your rates. There are several benefits in refinancing for homeowners everywhere. Refinancing [...]

If you’re a doctor (or other health care professional), yours is one of the most valued and prestigious fields in our society. So why do so many medical professionals have such a hard time qualifying to buying a home? There are several reasons: High Student Loan Debt. 98% [...]

If you’re a doctor (or other health care professional), you belong to one of the most valued and prestigious fields in our society. So why do so many medical professionals have nightmare experiences when buying a home? What are the biggest mistakes people make? Here are the most common [...]

Mortgage Planning Credit Tips to Get a Lower Rate In a mortgage lender’s eyes, a good credit score translates into lower interest rates for home-shopping clients. The higher your score is, the less risk you represent to the lender, because it is more likely you will pay off your [...]

Choosing a skilled and experienced lender is important when it comes to choosing the right loan program when you are buying a home. But it’s even more important when it comes to managing your mortgage over time. A professional consultant won’t just provide a loan, they will help you [...]

Points are up-front fees paid by you in order to obtain a better interest rate on a loan. One point equals one percent of the loan amount. (So, 1 point on a $300,000 loan would cost $3,000.) And while a lower interest rate may result in a lower monthly [...]