VA Loan

VA home loans, part of the original GI Bill of 1944, have flourished since the housing crash in 2008. These mortgage loans are guaranteed by the U.S. Department of Veterans Affairs and are popular among Veterans of the Armed Services. Despite their popularity, VA loans are still shrouded in mystery and misconceptions. The public perception … Continue reading Four VA Loan Myths Exposed


Loan closing tips

I once knew a loan closing  attorney who, when reviewing the note and mortgage with a new borrower, would jokingly say, “You’re welcome to read over everything, and if you find anything in your favor, the lender will be happy to correct that mistake!” Of course, he was being facetious and he used that line as … Continue reading Loan Closing Tips


Home purchase

Before you dismiss the headline as so much hype, let’s take an inside look at the reasons it may be a good time to buy a home… really! Call it a perfect storm of factors converging to provide first-time and other homebuyers lots of opportunities. Here are six reasons to begin the search for your next … Continue reading Why Now is a Good Time to Buy a Home


January

Not surprisingly, mortgage activity dropped substantially over the recent holidays. However, it was just temporary. According to the Mortgage Bankers Association application volume increased by 21.3% last week compared to the previous week. Mortgage applications were up and down during the month of December as some borrowers in the first half of the month tried … Continue reading Loan Applications Make a Comeback in January


refinance

Maybe it’s just human nature, but as long as interest rates remained low, millions of Americans have opted not to refinance their mortgages — many of whom have higher rates. Experts estimate over 5 million borrowers could potentially qualify for and benefit from a loan refinance. With current rates hovering just below 4%, roughly 2.4 … Continue reading Homeowners and Their Money: A Strange Relationship


With identification theft at epidemic levels, some security experts are recommending consumers freeze their credit reports. Temporarily suspending all activity — or freezing your account — is a way to block identity thieves from opening new credit cards and other accounts in your name. Credit insiders say you should consider this tactic even if your … Continue reading Freeze Your Credit Report For Protection


As 2015 ends, it’s time to look into the proverbial crystal ball and see what’s in store for the market in 2016. Economic growth is expected to continue, as should gains in employment. When that occurs, it should mean Americans will have more money to buy their first home or upgrade to a newer one. … Continue reading 5 Real Estate Trends to Watch For in 2016


After a week of little movement in mortgage rates, more homeowners applied to refinance their home loans — probably in response to the Federal Reserve’s recent .25% increase in the interest rate.  The total volume of mortgage applications decreased last week from the previous week, reports the Mortgage Bankers Association. However, applications for refinancing went … Continue reading Rate Fears Cause Refinancing Growth


The American dream of home ownership isn’t fully realized until you own your home free and clear. And for most of us, that’s the goal we’re working toward… paying off the mortgage and owning our home outright. However, there are some things to consider before you pay off your mortgage. As tempting as it might … Continue reading Thinking of Paying Your Mortgage Off Early? Think Again.


Millions of people will be shopping online this holiday season. Online sales are expected to reach record levels, and convenience along with internet deals are the main reasons. But with that comes opportunities for hackers and identity thieves easy access to online shoppers’ personal information. Here are a few tips to keep your personal data … Continue reading Shopping Online? Keep Your Personal Data Safe!


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