Once upon a time a young father decided to apply for a mortgage so he could buy a home for his wife and baby. He provided all of the necessary documentation to get pre-approved and after a quick review, the loan officer (yours truly) gave the young father an approval. Excited about the possibilities of […]
I’ve been in the mortgage business over 22 years and over that time, I’ve noticed patterns. For instance, the market always takes a pause around the holidays. Buyers typically either want to be in their new home before the holidays – especially Christmas – or they typically wait until after the new year (often times […]
Let me begin my story by providing you with a little background so that you will have some context. I talk to all of my clients about investing. Whether you are a first-time homebuyer or have owned many homes, I want you to understand investing concepts like the time-value of money and considerations when investing […]
When most people get a mortgage, they focus on what the rate is and how low the payment is – which is determined by rate, down payment amount and term. What most people lose sight of (or don’t think about in the first place) is their overall financial picture. Are You Prepared for Retirement? The […]