Top 1% Loan Originators in the U.S.
2022 brought so many changes for us – a new company, volatile interest rates, and a housing downturn. With all of that, we are so honored to have been recognized …
2022 Interest Rate Spike: The WHY Defined
Inflation = Too much money supply available for too few goods As we entered the days of a pandemic our supply of goods came to a screeching halt as the …
VA Loans
The VA loan was one of the many veterans’ benefits created by the Servicemen’s Readjustment Act of 1944, more commonly known as the “G.I. Bill.” The American Legion campaigned for …
What Makes Rates Change?
Changes in mortgage rates are an important factor in our decision to purchase houses or refinance existing mortgages. It makes us wonder, what really causes the mortgage rates to rise or fall? Well, …
Unpacking the Mortgage Payment – This is What you are Actually Paying for:
When you purchase a home, your monthly mortgage payments go toward both your loan balance and other costs, like interest, insurance, and taxes. You can expect your monthly payment to cover: …
DSCR Loans for Investors
Debt service coverage ratio, or DSCR, is a measurement of a property’s expected cash flow to determine ability to repay a mortgage loan. It’s a fantastic loan option for real …
Pre-paid Interest
Did you know that prepaid interest charges are included in the fees you pay at closing? The charges are calculated by totaling up the daily interest that accrues on your …
How to Turn $900K into $2.9M
Did you know 90% of the worlds millionaires built their wealth through investing in real estate?My borrower invested $86,000 into buying her first home three years ago.That home is now …
What is an FHA Mortgage?
An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). The FHA was created in 1934 as a result of the National Housing Act. This division of the government was …