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Saving to buy a home while you watch prices and interest rates increase feels like an impossible goal. You have little or no money saved and feel like homeownership isn’t in the near future for you. You checked into FHA loans and learned it only requires 3.5% of the purchase price as a down payment. […]

Now that you’ve decided to start the home-buying process, it’s time to figure out which loan program is best for you. Since everybody’s situation is completely different, you’ll want to have a discussion with a mortgage professional help provide direction. After months of online browsing, it’s likely you’ve run into a jumble of curious letters, […]

You found the perfect home. It’s exactly what you’ve been looking for. It sits on a cozy street in a safe neighborhood within a great school district. There was some negotiating on price, but in the end the seller accepted your offer. Finally, you can rest easy as you’ve come to terms with the seller […]

It’s time to move on. You’ve outgrown your home and you are thinking of moving up to a bigger and better home. The question that you are most likely thinking is – “Can I buy that home before selling my current home?”. The answer is both yes and maybe. First off, let’s look at the […]

We know of Millennials as the resourceful generation of independent minds shaping the world today through technology and start-up companies. They were referred to as the generation of renters with little interest in homeownership. However, times have changed and statistics show that Millennials make up the largest group of homebuyers today at 45% of new […]

What’s a cash out refinance? Quite simply, a cash out refinance is when you finance the equity you have in your home with a long term mortgage, not an equity line of credit. This is typically done by paying off your existing mortgage balance with a new loan that’s greater than the loan amount you […]

Everybody wants a deal. As they should, but don’t let getting a “good deal” prevent you from purchasing your dream home. Of course you have to feel comfortable with your payment and be able to afford the home, but I am referring to losing a home because you were out bid by a few thousand […]

Whether you are purchasing or refinancing a home, we need to review bank statements. It’s important to know what we are looking for to prepare yourself for a smooth process. In addition to assessing whether or not you’re able to regularly make your monthly mortgage payments, another role of mine is to make sure you […]