When is the best time to lock?
Updated Oct. 9, 2013
When it comes to mortgage loans and interest rates, it's never a good idea to gamble. That's why I typically advise my clients to lock in an interest rate at the earliest opportunity. This is just one step of the standardized system we have put in place to ensure the best possible loan experience for each...

Home Appraisals
Updated Oct. 9, 2013
Consumers are often baffled by the home appraisal process. They may feel their home is worth a certain dollar amount, and therefore, the appraised value doesn't make sense to them. It is important to know that appraisal guidelines are dictated by the lenders. In many states, the lenders must disclose the...

All About the Energy Efficient Mortgage
Updated Oct. 9, 2013
Interested in going green with your mortgage? Consider the Energy Efficient Mortgage to lower your utility costs, help our environment, and put more dollars in your pocket. You can save money on the cost of utilities by purchasing new energy-efficient heating and cooling systems or by making home...

Understand Appraisals - Part. 2
Updated Oct. 9, 2013
The appraisal process often baffles consumers. They may feel that their home is worth a higher dollar amount, and so the appraised value doesn't always make sense to them. It is important to know that the appraiser is completely independent from lenders, buyers, sellers, and real estate agents, and that...

QUALIFYING FOR THE FHA INSURANCE REDUCTION FOR STREAMLINES
Updated Oct. 24, 2014
Last week, the public received some good news from the Obama Administration. Beginning June 2012, FHA will reduce up-front insurance premiums to 0.01 percent of the total loan amount from 1 percent and annual fees will be cut to 0.55 percent from 1.15 percent for borrowers with FHA loans obtained before June 1, 2009.....