Help Desk Tips

September 12, 2019

The Things NOT to Avoid in Refinancing Your Home

Well, those 5% mortgage interest rates didn’t make landfall as predicted for 2019.  Instead, the winds of change flew in the other direction with rates tumbling to under 4% (hat tip to interest rate meteorologist, Barry Habib of MBS Highway for predicting this), producing a mini-refi wave across the country.…
June 17, 2019
A family holds up keys to their new home.

It’s National Homeownership Month!

June is a cool month, this video shows you just how cool.
June 4, 2019

How to Enjoy the Mortgage Process

Insiders tell you just how to avoid the pain and frustration of the mortgage process.
May 7, 2019
African American woman expresses joy as she hears news on her cell phone

Tips to Overcome Charge-Offs

The responsibility for paying a charge-off still lies with you even if it's in collection. Here are some quick tips on how to overcome a charge-off.
January 2, 2019

Why Are You Asking for That Again? – an Open Letter to My Frustrated Buyer

Picture this: it’s 2006, you can’t get You’re Beautiful by James Blunt out of your head, you’re heartbroken that Jessica Simpson just filed for divorce from Nick Lachey, and your friend is telling you about some new social networking service called “Twitter”. Your new neighbor moves in across the street…
December 3, 2018

The Home Buying Statistic You Shouldn’t Ignore

Should I buy a home NOW or wait until 2009? (OK, that’s a joke, 2009 is like so last decade) As anyone with a landlord will tell you, buying a home is a soundtrack always playing in the back of your mind. (When your rent goes up it starts to…
October 29, 2018
A woman and her infant does a load of laundry

Does the FHA Require Appliances in a Property for Their Mortgages?

Getting an FHA-backed Mortgage When you buy a property, chances are you need a mortgage. After all, who has that much cash laying around for such a large financial transaction? And in many cases, to buy that house, your mortgage may need to be backed by the Federal Housing Administration…
September 24, 2018
what is an open house

What is an Open House and What You Should Expect

Sell That House! If you’re in the process of selling your home, you may be pondering the different strategies to help make that sale. Online ads. Real estate agent referrals. And don’t forget about that classic one – having an open house. Do you know what is an open house?…
September 17, 2018
what happens after an offer is accepted on a house

What Happens After an Offer is Accepted? – Part 4

What happens after an offer is accepted on a house? When you initially sign a purchase offer, what do you think about next? Moving in, decorating, and imagining get togethers with friends and family. But hold the phone! You’ve missed a few steps in between. After you give in your…
September 11, 2018
real estate counter offer etiquette

Counter Offer Etiquette – Part 3

Present your poker face  Whether it is about the price offer, the closing date, or the deposit money, real estate transactions always contain confidential details. The buyer doesn’t know if there truly are competing offers, and the seller doesn’t know precisely about the buyer’s financial situation. When a buyer does…
August 14, 2018
couple making offer on a house tips

Making an Offer on a House Tips-Part 1

Making an offer on a house tips (Part 1 of 4) When it comes to looking at houses to buy, what have you been doing? Going through the open houses, having private viewings, and enjoying drive-bys? It’s only natural. After all, the more houses you see, the better the chance…
June 5, 2018
interest rates

Why Home Buyers Should Care About the 10 Year Treasury Bond

Bond. The 10 Year Bond. Did you hear the news? In mid-May 2018, for the first time in more than four years, the 10 year bond yield actually made it above 3%! OK, so this fact may not have you jumping for joy. In fact, you may not feel much…
April 24, 2018
mortgage payment formula

What’s in a Mortgage Payment Formula, Really?

Your mortgage payment: a set amount of money that is withdrawn from your account on a regular basis for years. Sure, you may just chalk it up to another large fixed expense. But understanding how your mortgage payment formula is calculated can help you make healthier financial decisions. So rather…
February 5, 2018
Scam alert on a keyboard

Wrong Ways to Get Your Credit Score for Mortgage Lenders

Don’t be fooled – ‘Free’ Credit Report Offers vs. Credit Score for Mortgage The word ‘free’ is always a word that catches the eye. It is very effective bait. Bait and switch that is when it comes to credit reports. Many (or most) are actually scams that will snag you with…
December 29, 2017
Save Money for your Future

Weird but Effective Ways to Save Money

SAVING MONEY FOR YOUR NEW HOME – EASIER THAN YOU MAY THINK Saving for a down payment for your first home can seem like an overwhelming project. With some savvy saving and creative budgeting, you may reach that goal sooner than you think. If you don’t have a budget and you…
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