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News

Refinance with Cash Out Advantages

Mortgage interest rates are currently at or near historical lows over the past 50 years.  Now is the time to take advantage of these low rates.  One vehicle to do this a Cash Out Refinance. Refinance mortgage rates tend to be lower than the interest rates on other types of debt, so it’s a very…
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The Do’s and Don’ts When Preparing to Purchase Your Home!

The Do’s and Don’ts When Preparing to Purchase Your Home! We all get excited when it’s time to make that BIG purchase in our life. Whether you are a first-time homebuyer or refinancing your home, there are some guidelines that you should keep in mind. Do’s Get Pre-approved for Your Loan – There are many…
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It’s time for the DACA “Dreamer’s” to Become Homeowners!

HUD has announced that it has extended eligibility for FHA mortgages to individuals who are classified under the DACA – Deferred Action for Childhood Arrivals program. DACA recipients who have come to be known as “Dreamers” are individuals who were brought to this country before their 16th birthday and were under 31 years old when DACA was…
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Investor Cash Flow Loan Product for Investors!

Self Employed and W2 borrowers have now a new program at their disposal to help build their investment property portfolios.  This product can be used for both Purchase and Refinance transactions.  No personal income or employment will required to be verified, such as 1040s or W2s.  This investment property product uses the homes cashflow to…
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Are you ready to buy a home?

Many renters do not own a home because they think they will not qualify, do not have the money to put down on a home,  are worried that something big will break on or in the home and they will not have the money to fix it or do not make enough make enough money…
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Why working with an independent mortgage broker is the right choice

Have you been denied for a mortgage recently? Do you have questions about the health of the mortgage industry today? I can help you clear up these mounting questions and assist you in getting that preapproval for your dream home. Read on for some much-needed information. With the onset of COVID19 our world has literally…
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Is now the right time to Refinance your existing mortgage?

  Would you like to refinance your existing mortgage?  Are you wondering if refinancing your existing mortgage is right for you?  Below I have provided answers to your questions. Reasons to refinance your existing mortgage: Lower your monthly payments: Refinancing loans at a lower rate could help you reduce your mortgage payments significantly. Home renovations:…
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100% USDA Financing

Like the Department of Veterans Affairs and the Federal Housing Administration, the United States Department of Agriculture (USDA) also provides a mortgage option – the USDA loan. The USDA loan is a lesser-known mortgage program that allows eligible rural and suburban homebuyers to finance a home without a down payment. To be eligible for a…
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Can you really buy a home with 0% down?

YES!   Traditional thinking is that someone needs 20% of the purchase price to put down to buy a home.  Back many years ago when your only option was to deal with a conservative local bank that may have been the case but, over time things have significantly changed.   Let’s start with Traditional Conventional…
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“Pre-Approvals are Everything”

In this day in age, we a geared toward instant gratification. In the mortgage world, that is no different but, instant gratification may no be attainable at first glance. Pre-Approvals can help with that. It is Important! Getting pre-approved is very important and should be your first step. By working with me, or a mortgage…
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