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Ever wonder what lenders look at? How much a single inquiries impact your scores? Just want some tips to keep your credit profile as clean as possible? C.F.P.B information on mortgage lenders pulling reports: https://www.consumerfinance.gov/ask-c… Free Annual Credit Report: https://www.annualcreditreport.com/

Bridge loans are especially helpful because they allow buyers to move fast, get more, and give non-contingent offers. Buyers can confidently make offers knowing that they are not in the limbo between selling and buying. Buyers can make non-contingent offers on prospective homes. These non-contingent offers are much more appealing to sellers as they eliminate […]

Chris has been helping homebuyers for nearly 20 years. The UHL Doctor Loan is another way we are making homeownership more affordable for our clients.

Chris explains the 2-1 Buydown. A 2-1 buydown can temporarily reduce the homebuyer’s interest rate. This can be a useful tool for homebuyers that worry about rates continuing to rise, and seller’s who are looking for a creative way to get an offer in a market where interest rates are trending upward.

It’s been a wild few years and the housing market has been anything but normal, so how can you better prepare yourself for your next home purchase? During the first quarter of 2020, interest rates dropped to historic lows.  Not only were homeowners able to save money by refinancing, homebuying became more affordable to those […]

Rate!  Rate!  Rate!   So, you want the lowest interest rate?  We get it. Interest rates are determined by how mortgage backed securities are sold and traded on Wall Street.  When the market is volatile, so are interest rates.  While it’s my job as a mortgage banker to monitor the market and advise you on when […]

Our tax system works in such a way that if you make money, you owe taxes.  Surprise.  However, while you have to pay the taxes on the money you make from working every year, when it comes to real investment income you may not have to pay taxes at all – at least not right away […]

It’s about that time. It feels like you just clinked glasses to ring in the new year, and already it’s time to file your tax return. Congress passed the largest piece of tax reform legislation in more than three decades. The bill went into place on January 1, 2018, which means that it will affect […]