It’s A Pity If You Don’t Understand PITI
What is PITI? If you are new to mortgages this is a term you might not be familiar with. However, understanding PITI is important to truly understanding if you, as a home buyer, can afford a particular home. We understand it can be easy to...
How To Keep and Afford Your Home When Getting A Divorce
. I was born to be a mortgage broker and to serve others and I do it the best way I know how; through assisting those who dream of buying a home. My team and I Serve new homebuyers, repeat buyers, empty nesters, growing families,...
Credit Score Differences: A Comprehensive Guide
Getting Started with Understanding Credit Scores If you have ever applied for a mortgage before you may already know that your mid-score is the score lenders use when determining if you qualify for a home loan. When a lender checks your credit they do what...
7 Crucial Factors That Determine Your Mortgage Interest Rate
Understanding the Factors That Determine Mortgage Interest Rate It’s largely thought by home buyers, especially first-time homebuyers, that their credit score is the only factor that determines mortgage interest rate. They would be correct in assuming that, at least partially. In fact, even more experienced...
5 Crucial Factors That Determine Your Home Affordability
Understanding the Factors That Determine Home Affordability Buying a home is a big deal. You’ve probably spent a lot of time thinking about whether or not you are ready, if it’s the right time, and will you get pre-approved. Furthermore, if you do qualify, how...
Understanding the Importance of Home Appraisals
. If you are thinking about buying a home soon I bet you’ve been told you need an appraisal. You might also be wondering what a home appraisal is and why you need one. By definition, an appraisal is an estimate of the property’s fair...
How Millennials Can Take Advantage Of Homeownership Without Sacrificing Their Lifestyle
. The Millennial Mindset never wants to be tied down. If you are a like me, a millennial, you know what I’m talking about. You could say we have a fear of commitment, but it’s much more than that. Our generation has a tremendous need...
The Importance of Communication with Your Loan Officer
The Beginning of Communication with Your Loan Officer Good communication is key. Simply put, you will be married to your loan officer from the day you are prequalified until you have signed the last document at settlement! Buying a home is as easy as you...
Understanding the Letter of Explanation in Mortgage Applications
. The homebuying process is one that can be an enjoyable experience. Working side by side with your Real Estate Agent and Mortgage Broker can go smoothly towards achieving the goal of purchasing a home. When things don’t go as planned it can become stressful...
Navigating New Credit During the Home Buying Process
Understanding the Impact of New Credit on Home Buying It happens more times than not. A homebuyer is in the middle of buying a house, and they come across a great deal, something they would love to have in their new home. Maybe it’s a...